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What is Commercial Property Insurance?
Commercial property insurance protects your physical business assets from damage, theft, and disasters.
Commercial property insurance covers the physical assets of your business, including buildings, equipment, inventory, furniture, and fixtures. Whether you own or lease your business space, this coverage protects against losses from fire, theft, vandalism, storms, and other covered perils.
This essential coverage can also include business interruption insurance, which replaces lost income if your property is damaged and you're forced to temporarily close or relocate. Without proper commercial property coverage, a single disaster could wipe out years of hard work and investment.
Building Coverage
Protection for the physical structure you own or lease
Equipment & Inventory
Coverage for tools, machinery, and stock
Business Interruption
Income replacement during covered closures
Outdoor Property
Signs, fences, and landscaping protection
Common Commercial Property Claims
Fire Damage
Coverage for fire-related losses to buildings, equipment, and inventory
Water Damage
Protection against burst pipes, roof leaks, and flooding incidents
Theft & Vandalism
Coverage for stolen property and vandalism to your business premises
Equipment Breakdown
Protection when HVAC, electrical systems, or machinery fails
Storm Damage
Coverage for wind, hail, and hurricane damage to your property
Business Interruption
Income replacement when property damage forces you to close temporarily
Ready to Protect Your Business Property?
Get a customized commercial property insurance quote in minutes.
Coverage for All Types of Commercial Properties
From office buildings to warehouses, we protect every type of business property
Office Buildings
Professional office spaces and corporate headquarters
Retail Spaces
Storefronts, shopping centers, and retail locations
Warehouses
Distribution centers and storage facilities
Key Commercial Property Coverage Features
Comprehensive protection for your business assets
Building Coverage
Protects your owned or leased building structure, including walls, roof, and permanent fixtures
Business Personal Property
Covers equipment, inventory, furniture, computers, and other business contents
Business Interruption
Replaces lost income and covers ongoing expenses when operations are disrupted
Equipment Breakdown
Covers repair or replacement of mechanical and electrical equipment failures
Replacement Cost Coverage
Pays to replace damaged property with new items at current market prices
Extra Expense Coverage
Reimburses additional costs to keep your business operating after a covered loss
Insurance Guidance Tailored to You
Your needs come first. There is no one size fits all solution for your business or coverage. We tailor insurance to your needs, not someone else's goal.
Captive Agents
Online or Direct
Commercial Flood Insurance Solutions
Standard commercial property insurance doesn't cover flood damage. Protect your business assets, inventory, and building from Florida's #1 natural disaster risk with specialized commercial flood insurance.
Why Every Florida Business Needs Flood Insurance
Florida businesses face unique flood risks: hurricanes, tropical storms, heavy rainfall, storm surge, and aging drainage systems. Just 1 inch of water can cause $25,000+ in damage to your building, equipment, and inventory.
Commercial property policies exclude flood damage. Without separate flood insurance, you'll pay 100% of repair costs, equipment replacement, inventory loss, and business interruption expenses out of pocket.
25% of flood claims come from moderate-to-low risk zones. Even if your business isn't in a high-risk flood zone, you're not safe. Flooding can occur anywhere from heavy rain, clogged storm drains, or upstream development.
Average Commercial Flood Claim
$89,000
The average NFIP commercial flood claim in Florida. Can your business absorb this cost?
Business Closure Rate
40%
Of businesses never reopen after a major flood without adequate insurance coverage.
30-Day Waiting Period
NFIP policies require 30 days before coverage begins. Don't wait for a storm warning—you won't be able to buy coverage once a storm is named.
What Commercial Flood Insurance Covers
Building Coverage
- Building structure and foundation
- Electrical and plumbing systems
- HVAC equipment and water heaters
- Built-in appliances and fixtures
- Permanently installed machinery
- Debris removal costs
Contents Coverage
- Business inventory and stock
- Furniture, fixtures, and equipment
- Computers and electronic equipment
- Portable machinery and tools
- Important business documents
- Valuable papers and records
NFIP vs. Private Commercial Flood Insurance
We compare both NFIP (National Flood Insurance Program) and private flood insurance to find you the best coverage and price for your business.
NFIP
National Flood Insurance Program
COVERAGE LIMITS
- Building:Up to $500,000
- Contents:Up to $500,000
ADVANTAGES
- Government-backed program
- Available in all flood zones
- Standardized rates
LIMITATIONS
- 30-day waiting period
- Limited coverage for basements
- Actual cash value (depreciation)
Private Flood
Commercial Flood Insurance
COVERAGE LIMITS
- Building:Up to $20 million+
- Contents:Up to $10 million+
ADVANTAGES
- Higher coverage limits for large properties
- Replacement cost coverage (no depreciation)
- Broader coverage (pools, landscaping, etc.)
- Shorter waiting periods (10-15 days)
- Often lower premiums than NFIP
Check Your Business Property's Flood Zone
Enter your business address to see your FEMA flood zone designation, risk level, and whether flood insurance is required by lenders.
Important Note
This tool provides flood zone information based on FEMA's National Flood Hazard Layer data and geographic analysis. For official flood zone determinations, Elevation Certificates, and personalized insurance quotes, contact Atesa Risk Advisors. We'll review your property's specific flood risk and find you the best coverage options.
Industries That Need Commercial Flood Insurance
Retail & Restaurants
Protect inventory, equipment, and customer-facing spaces from flood damage
Warehouses & Distribution
Cover stored goods, machinery, and building structure in flood-prone areas
Manufacturing
Protect expensive machinery, raw materials, and finished products
Office Buildings
Cover tenant improvements, equipment, and business interruption losses
Medical & Dental
Protect specialized equipment, patient records, and medical supplies
Hospitality
Cover building, furnishings, and business income during flood repairs
Commercial Property Insurance FAQs
Get answers to common questions about this coverage
Protect Your Business Property
Get a customized commercial property insurance quote. We shop 40+ carriers to find you the best coverage at the best price.