insurance for your business property

If disaster strikes your business, commercial property insurance makes recovery bearable

Whether you own your building, lease, or work from home, get the protection you need for the property used in your business

How does commercial property insurance work?

Commercial property insurance protects your company’s physical assets - things like buildings, furniture and equipment, supplies, computers, inventory, customer’s goods, signs, fencing, and even lost income.

The policy will provide financial reimbursement to help recover the cost of items damaged, lost or destroyed from fire, theft, vandalism, burst pipes, explosion, and more. You may even be able to protect against floods and earthquakes, though many times you’ll need separate policies for that.

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How you could be affected by commercial property insurance claims

Unfortunately, the “unexpected” happens more frequently than we’d like. And with forty percent of small businesses being likely to experience a property loss, having the right insurance can help alleviate the incredible financial burden of a claim.

Of businesses are affected by a burglary or theft

Of businesses are affected by wind or hail damage

The average cost of a fire claim for a small business

Commercial-Property-Insurance-Building-2

What is (and is not) covered by commercial property insurance?

Just like every business is unique, no two commercial property insurance policies are the same. Each policy has limitations, exclusions, and additional optional coverages that you’ll want to be aware of, and have customized to fit your needs, before you buy.

What is typically covered?

Building repair/replacement

Business personal property replacement

Home-based business property replacement

Property in transit or off-site

Computers and media

Equipment

Tools

Inventory

Furniture and fixtures

Leased or rented property

Employee dishonesty

Outdoor property

Debris removal

Customer goods (optional)

Lost income replacement (optional)

Lost rental income replacement (optional)

Water back up (optional)

What is not typically covered?

Floods (hint: you may need flood insurance)

Earthquakes (optional)

Accidental damage (i.e. dropping something)

Damages to someone else’s property

Damages to your business vehicles

Intentional property damage

Got commercial property insurance questions? We’ve got answers.

Commercial property insurance isn’t required for your business (unless you have a loan or lease), but it is something you should consider. Let us help you decide whether this coverage is right for your business.

Do I need commercial property insurance?

Do I have to buy a business owners policy to get commercial property insurance?

How much does a commercial property insurance policy cost?

How can I reduce the cost of my commercial property insurance?

How you can keep your business up and running with commercial property insurance

If we all had crystal balls, we’d never need insurance. But we don’t. And sometimes, bad things happen to good people.

With the right commercial property insurance, the bad can be managed so that it doesn’t destroy your business.

Natural disaster protection

Fire, wind, snow, ice, hurricanes, tornadoes, and water - we’ve seen it all in Massachusetts. And it all can cause some serious damage. But the right property insurance can protect you from whatever Mother Nature throws your way.

Income replacement

One third of small businesses never reopen after a devastating loss. Business income coverage on a commercial property insurance policy can help keep your business running.

Investment protection

You’ve invested heavily by buying everything you need to run your business. The right property insurance policy will reimburse you should you experience a loss.

Simplifying commercial property insurance … one blog at a time

Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.

We love our clients

Our clients are like family. See what they are saying…

“[Berry Insurance’s] knowledge of property and casualty and workers’ compensation insurance gave me confidence that I have appropriate levels of coverage for [my business].”

Kurtis J., A Massachusetts School District

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Keep your investment secured with commercial property insurance

Plan for the unexpected and protect your business assets with commercial property insurance. Simply fill out this form and a member of our commercial insurance team will be in touch.