Commercial Insurance · Texas
Commercial Property Insurance in Texas
Commercial property insurance protects the physical assets your business depends on, from the building and equipment to inventory and signage, against fire, theft and Texas storms.
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Commercial Property coverage options
Buildings
Buildings you own, including permanent fixtures and systems.
Business personal property
Equipment, furniture, inventory, supplies and tenant improvements.
Business income
Lost income and ongoing expenses if a covered loss forces you to close temporarily.
Equipment breakdown
Mechanical and electrical breakdown of HVAC, refrigeration and other key equipment.
Signs & outdoor property
Signage, fences and other outdoor property, depending on the policy.
Whether you own your building or lease space, your equipment, furniture, inventory and improvements are at risk from fire, theft, vandalism and severe weather. Commercial property insurance pays to repair or replace them so you can reopen quickly.
In Texas, pay close attention to wind and hail deductibles, which are often a percentage of the insured value, and to whether the policy pays replacement cost or actual cash value. Adding business income coverage replaces lost income and helps pay ongoing expenses while you're closed after a covered loss.
Flood is separate
Standard commercial property policies exclude flood. If your location is in or near a flood zone, ask us about commercial flood coverage.
Who we insure
- Building owners
- Restaurants
- Retail & convenience stores
- Hotels & motels
- Warehouses
- Offices
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Reference
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FAQ
Commercial Property insurance FAQ
Does commercial property insurance cover hail damage?
Most policies do, often with a separate wind/hail deductible. We'll explain the deductible before you buy.
Is flood covered?
No. Flood requires a separate policy, which we can quote.
Do I need property insurance if I lease my space?
Yes. Your landlord's policy covers the building, not your equipment, inventory or improvements.