Commercial property insurance repairs or replaces your building, equipment, inventory and tools after a covered loss, so a fire or break-in doesn’t end the business.
Your price depends on revenue, claims history, location and the work you do. These ranges help you plan before we quote.
| Business type | Typical limit | Typical annual premium |
|---|---|---|
| Office or studio | $25K – $100K contents | $300 – $900 |
| Retail store | $100K – $500K stock and fixtures | $900 – $3,500 |
| Restaurant | $150K – $400K kitchen and contents | $1,500 – $5,000 |
Illustrative ranges only. Not a quote.
A break-in at a retail store: stock, a POS terminal and a smashed storefront window were replaced in nine days.
Replacement cost pays what it costs to buy new. Actual cash value subtracts depreciation. We recommend replacement cost for most businesses.
Your landlord insures the building. You need coverage for your contents, equipment and any improvements you paid for.
Only with a tools and equipment floater. Ask us to add one; it is usually inexpensive.
Replaces lost income and pays ongoing bills while you are closed after a covered loss.
Covers injury or property damage your business causes to customers, clients and the public.
Covers ransomware, data breaches, email fraud and the cost of notifying customers.
Five questions, one call, real prices side by side.