Your guide to
Commercial Property Insurance in Texas
Your building, equipment and inventory keep your business running. Our agency helps you understand how commercial property insurance works, what it usually covers and which risks may need separate protection.
What it covers
Common commercial property coverages
Commercial property policies can be built around what you own, lease and depend on. Covered causes of loss, limits and deductibles vary, so each part is worth reviewing.
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Building
Helps pay to repair or rebuild a building you own after a covered loss, such as a fire.
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Business personal property
Helps protect equipment, furniture, inventory and supplies, whether you own the building or lease your space.
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Tenant improvements
If you lease, it can cover upgrades you paid for, like built-in shelving, flooring or lighting, depending on the policy.
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Business income
If a covered loss shuts you down for a while, it can help replace lost income and pay continuing expenses.
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Equipment breakdown
Often added to cover sudden mechanical or electrical breakdown of equipment like air conditioning, refrigeration or computers.
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Outdoor property
Can include items like signs, fences and landscaping, often with lower or separate limits.
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Why it matters
Insure for what it would cost to replace
Setting property limits too low can leave you short after a large loss. Many policies also include a coinsurance clause, which can reduce a claim payment if you carry less coverage than the policy requires.
Commercial property policies generally exclude flood, and depending on where your business is located, wind or hail may carry a separate deductible or need separate coverage. We can walk through your policy with you and help you find gaps.
If you lease your space, check your lease to see which property the landlord insures and which property is your responsibility.
Before you insure
Details that help set your coverage
- Building age and construction
- Square footage
- Roof condition
- Fire alarms and sprinklers
- Security systems
- Equipment and inventory values
Often needs separate coverage
- Flood
- Earthquake
- Tools and equipment at job sites
- Business vehicles
- Property in transit
Answers
Commercial property questions
Straight answers to common questions. If yours is not here, call or text our agency.
Often yes. A landlord's policy generally covers the building, not your equipment, inventory or the improvements you paid for. Your lease may also require you to carry certain coverage.
Replacement cost generally pays to replace damaged property with similar new property. Actual cash value subtracts depreciation, so the payment is usually lower.
Standard commercial property policies generally exclude flood. Flood coverage is usually purchased separately, so ask our agency about it if flooding is a concern for your location.
Request a quote
Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.