Takes about 2 minutes • We’ll follow up within 24 hours.
Commercial Property Insurance for
Buildings, Contents, & More
Protect your property by adding an effective commercial property policy designed for California businesses.
Coverage tailored to your business, locations, and assets.
Access to multiple top rated companies.
Simple guidance from a trusted independent agency.
Takes about 2 minutes - No obligation
What Does Your Personal Umbrella Insurance Cover?
Buildings
Provides coverage for the physical structure of your business property if it is damaged by covered events such as fire, storms, or vandalism.
Learn More >
Business Contents
Helps protect office furniture, computers, and other business property inside your building from damage or loss.
Learn More >
Equipment
Covers tools, machinery, and specialized equipment essential to running your business.
Learn More >
Inventory
Protects products and materials stored at your business location from theft, damage, or other covered losses.
Learn More >
Additional Coverage Options
Fire Damage
Helps cover repair or rebuilding costs if your property is damaged by fire or smoke.
Theft & Vandalism
Provides protection if your business property is stolen, broken into, or intentionally damaged.
Natural Disasters
Offers protection against damage caused by certain natural events such as windstorms or severe weather.
Loss of Income
Helps replace lost revenue if your business must temporarily close due to covered property damage.
Partnered With Top Insurance Carriers
We work with a number of the highest rated insurance carriers in the nation to ensure our clients receive the best Homeowners options at competitive prices.
Frequently Asked Questions
If you have any additional questions, please email info@bollinsure.com or get a review of all your insurance needs.
What is commercial property insurance?
Commercial property insurance helps protect a business’s physical assets such as buildings, equipment, inventory, and other property from certain covered risks like fire, theft, or other sudden damage.
What are business contents in commercial property insurance?
Business contents generally refer to items inside the building such as furniture, computers, equipment, and other materials used in daily business operations.
What types of events are commonly covered by commercial property insurance?
Policies may cover certain risks such as fire, theft, vandalism, or some types of storm damage depending on the policy terms and endorsements.
Do businesses that lease space still need commercial property insurance?
Yes. Businesses that lease property often insure their business contents, equipment, and inventory even if they do not own the building.
What types of property can be covered under commercial property insurance?
General liability insurance may provide protection for claims involving bodily injury, property damage, product related claims, and completed operations depending on the policy terms.
Can commercial property insurance cover equipment and machinery?
Yes. Many policies allow coverage for equipment and machinery used in business operations. This may include tools, manufacturing equipment, office technology, or specialized machinery.
Does commercial property insurance cover natural disasters?
Coverage varies depending on the policy. Some events such as floods or earthquakes may require separate policies or additional coverage.
What is the difference between replacement cost and actual cash value coverage?
Replacement cost coverage generally helps pay the cost to repair or replace damaged property without deducting depreciation, while actual cash value coverage typically factors in depreciation.
Does commercial property insurance cover the building itself?
If a business owns its building, the policy may include coverage for the structure. This can help address repair or rebuilding costs if the building is damaged by a covered event.
Does commercial property insurance cover inventory?
Inventory coverage may help protect products or goods that a business stores for sale. If inventory is damaged or destroyed by a covered loss, the policy may help address the financial loss.
What factors affect the cost of commercial property insurance?
Premiums may depend on factors such as property location, building age and construction type, security systems, business operations, coverage limits, and claims history.
How often should commercial property insurance be reviewed?
Businesses often review property coverage annually or when changes occur such as purchasing equipment, increasing inventory, expanding operations, or relocating.