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Commercial Buildings Insurance

Product Overview

Regardless of whether you own, rent, or lease the property where you operate your business, you want to rest assured that you have the appropriate insurance coverage for different aspects of your organization. Commercial building insurance covers much more than just your business’s physical structure; it may help protect your inventory and equipment. You may also choose to extend the coverage to areas outside your workspace, such as gardens and parking lots. This type of insurance is valuable for a wide array of industries—everything from clothing stores and bakeries to construction companies. 


Download Commercial Buildings Insurance resources.

Benefits of commercial buildings insurance

Commercial building insurance is crucial for most businesses; here’s a look at some of its benefits:

  • Repair costs: If your business suffers damage from vandalism or other unforeseen circumstances, your coverage can help you quickly repair them so you can get back on track 
  • Unexpected loss: No matter your business’s size and how you prepare it for any risks, some situations may not be under your control. This is the case with natural disasters. Commercial building insurance can help keep the cost of these reparations down.
  • Interruption of business: If you suffer damage or loss to a piece of equipment of structure in your building that is beyond repair, the correct policy might help you cover some of the costs of replacement so you can operate with normality as soon as possible. 

All businesses are prone to damages and repairs that may interrupt their operations. Commercial building insurance helps your business get back on its feet quickly. 


Prince Insurance Group helps find the right insurance for you and your needs.


Our team works with you to find the most affordable options for your situation.

Flexible Options

Our products are flexible and we work to find insurance specific to your needs

Unbeatable Service

We are just a phone call away throughout our entire relationship.

Common questions about Commercial Building Insurance

Get quick answers to some of the most asked questions about commercial building insurance If you have additional questions, please contact us.

Commercial property insurance: what is it?

This type of insurance is necessary for anyone who owns a business – particularly if they run one that is home-based. It offers you much more coverage in comparison to homeowners’ insurance. Commercial property insurance will help safeguard your business, as well as your tangible assets. It will cover the costs of replacements or repairs in the event that your commercial property gets destroyed or damaged by fire, theft, and similar losses.

What Does Commercial Building Insurance Cover?

This form of insurance coverage will be beneficial to your company if:

  • Someone illegally enters your place of business and steals the inventory you own.
  • The building that you are renting out is struck by lightning.
  • Your computers are destroyed or damaged by fire.

Commercial property insurance can safeguard key business assets, including its income. If you’re not able to open up your business due to a loss that is covered, then this coverage can take the place of any income your company loses. Every company’s needs are unique. We will collaborate with you for the sake of personalizing the type of commercial property insurance you get. You’ll be able to add even more protection that covers things like priceless records and paperwork. You’ll also be able to cover the following costs:

  • Relocation of records for the sake of avoiding a loss.
  • Providing short-term storage.
  • Reproducing important documentation.

What doesn’t it cover?

The commercial property insurance coverage that you get may not be applicable to all forms of property damages. For instance, this type of coverage will not be helpful if:

  • You or a staff member damages property intentionally.
  • A brook nearby overflows, post-rainfall, causing a flood within close proximity to your place of business. Subsequently, your inventory gets damaged.
  • You sustain an accident when delivering something to a client or customer, damaging your vehicle in the process.
  • At least one employee makes a dent in a client’s wall.
  • One of your customers drops a laptop after tripping over something inside your office.

Other commercial insurance types can also be purchased to maximize protection for certain claims, including the ones mentioned above.

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