Commercial Property Insurance · California
Commercial Property Insurance for California Businesses
Commercial Property insurance protects your buildings, business personal property, equipment, and inventory against fire, theft, vandalism, and other covered perils. It can also include business income coverage to replace lost revenue during a forced closure.
What It Covers
Fire and smoke damage to buildings or contents
Theft and vandalism of equipment or inventory
Water damage from burst pipes or roof leaks
Wind, hail, and named storm damage
Business interruption from a forced closure event
Equipment breakdown halting operations
Coverage Components
Core Components
Building Coverage
Covers the physical structure of your owned or leased building at replacement cost.
Business Personal Property
Covers furniture, equipment, and inventory inside your building.
Optional / Add-On Components
Business Income / BI
Replaces lost revenue and pays fixed expenses if you are forced to close after a covered loss.
Extra Expense
Covers additional costs to keep operating or expedite recovery after a loss.
Equipment Breakdown
Covers sudden mechanical or electrical breakdown of covered equipment.
Ordinance or Law
Covers additional costs to rebuild to current building codes after a covered loss.
Frequently Asked Questions
