Commercial Property Insurance That Protects What You’ve Built
Coverage designed to help businesses recover quickly after property damage, theft, or unexpected loss.
Protecting the Physical Assets Your Business Depends On
Your building, equipment, inventory, and workspace are critical to daily operations. Commercial property insurance protects the tangible assets your business owns or is responsible for—helping you recover after events like fire, theft, vandalism, burst pipes, or severe weather. Without this coverage, repairing or replacing property can put serious strain on cash flow and continuity.

For example, if a fire damages your office or valuable equipment is stolen, property insurance helps cover repair or replacement costs so operations can resume as quickly as possible.
What Commercial Property Insurance Covers
Property coverage is built around the physical components of your business.
Buildings You Own
Coverage to repair or rebuild owned structures after covered losses.
Business Personal Property
Protection for furniture, equipment, tools, computers, and supplies.
Inventory and Stock
Coverage for raw materials, finished goods, or merchandise stored on-site.
Tenant Improvements
Protection for build-outs or upgrades you’ve made to a leased space.
Coverage applies to many common loss scenarios that businesses encounter during normal operations.
Coverage That Helps You Stay Afloat
Business Interruption Coverage for Ongoing Expenses
Property damage often affects more than physical assets. Business interruption coverage can be included to help replace lost income or cover extra expenses if operations are temporarily suspended due to a covered loss. This can help pay ongoing costs like rent, payroll, or temporary relocation while repairs are completed—supporting continuity during recovery.
Tailoring Coverage to Your Operations
Commercial property insurance should reflect how your business actually operates.
Replacement Cost Options
Coverage can be structured to replace damaged property with new items rather than depreciated value.
High-Value Equipment or Inventory
Limits can be adjusted to reflect specialized machinery or fluctuating inventory levels.
Mobile or Off-Site Property
Coverage options are available for equipment that moves between locations.
How Property Insurance Fits With Other Business Coverage
Property insurance protects your own assets, while other policies address different risks. Liability coverage responds to third-party claims, and workers’ compensation covers employee injuries. Coordinating these policies helps ensure there are no gaps in protection.
Protect Your Assets and Keep Your Business Moving
A major property loss doesn’t have to put your business on hold. Commercial property insurance helps California businesses recover faster and maintain stability after unexpected events. Comprehensive Insurance Services works with companies to structure coverage that protects buildings, contents, and continuity.