Commercial Property Insurance

Your business location represents a significant investment and houses essential equipment, inventory, and operations. Commercial property insurance protects your building, contents, and business income from fire, storms, theft, and disasters that could destroy what you've built. From warehouses in Houston to retail stores in the Valley, Texas businesses face serious property risks that demand comprehensive coverage.

Building coverage protects the physical structure if you own your location, including walls, roof, foundation, and permanent fixtures. Contents coverage protects equipment, inventory, furniture, computers, and supplies inside your building. If a fire destroys your restaurant in San Antonio or wind rips the roof off your shop in Amarillo, you're covered for rebuilding and replacing what was lost.

Business income coverage pays for lost profits and ongoing expenses when your business must close temporarily due to covered damage. If a storm forces you to shut down for weeks while repairs are completed, this coverage ensures you can continue paying rent, utilities, and salaries without income coming in. For Texas businesses where severe weather can cause unexpected closures, this protection prevents financial disaster.

Equipment breakdown coverage protects critical systems like HVAC, refrigeration, computers, and machinery. Extra expense coverage pays for costs above normal operations to get your business running again quickly, like renting temporary space or expedited equipment replacement. Texas's extreme heat can destroy equipment, and having proper coverage prevents business interruptions.

Texas businesses face unique property risks from hurricanes on the coast, tornadoes in the Panhandle, hail throughout the state, and flooding in low-lying areas. Your building and contents represent years of investment, and losing them without proper insurance could force you to close permanently. We help business owners across Texas structure property coverage that addresses their specific risks, whether that's windstorm coverage for coastal locations or equipment protection for technology companies. Your business location deserves protection that lets you rebuild and recover after disasters.