Building Coverage
Helps protect the structure of your commercial building from covered losses.
Commercial Property Insurance for Buildings and Businesses
Protect your building, business property, and income.
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Commercial Property Expertise
Multiple Coverage Options
Coverage Help
Commercial property insurance designed around your business.
Business Personal Property
Coverage for equipment, furniture, computers, inventory, and other business property.
Business Income
May help replace lost income after a covered loss interrupts normal business operations.
Who It’s For
Coverage for many types of commercial properties.
Whether you own one building, multiple properties, an owner-occupied business location, or a tenant-occupied commercial property, Calico can help you review available options.
Common property types:
- Apartment buildings
- Office buildings
- Retail buildings
- Mixed-use buildings
- Warehouses and industrial buildings
- Restaurants and service businesses
Coverage Options
Customize your policy around your risk.
Equipment Breakdown
Protection for certain mechanical or electrical breakdowns.
Ordinance & Law
Helps with required code upgrades after a covered claim.
Debris Removal
Helps with cleanup after covered property damage.
General Liability
Often paired with property coverage for broader business protection.
Commercial Earthquake
Earthquake coverage is usually separate and can be reviewed alongside property insurance.
Flood Insurance
Flood damage usually requires separate coverage.
Independent Agency
Why work with an independent insurance agency?
Commercial property insurance can vary by building type, occupancy, construction, location, claims history, coverage limits, and carrier appetite. As an independent agency, Calico is not limited to one insurance company.
We can help review:
- Building coverage amount
- Deductible options
- Liability limits
- Business income coverage
- Earthquake and flood options
- Coverage gaps and lender requirements
Related Coverage
Other business insurance options
FAQ
Commercial Property Insurance Questions
What does commercial property insurance cover?
It can cover buildings, business personal property, equipment, inventory, furniture, and other covered business property, depending on the policy.
Does commercial property insurance cover flood?
Usually no. Flood insurance is generally purchased separately.
Does commercial property insurance cover earthquakes?
Usually no. Commercial earthquake insurance is typically purchased separately.
Can I insure multiple buildings?
Yes. Depending on the situation, multiple buildings may be reviewed together or separately.
Do lenders require commercial property insurance?
Most lenders require commercial property insurance when there is a mortgage or loan on the building.
Ready to compare commercial property insurance?
Start online or call Calico Insurance Services.