Commercial property and casualty insurance
Protect your buildings, contents and income, and the liability that comes with owning and operating property. We compare commercial property and casualty coverage for businesses and building owners.
What is property and casualty insurance?
Property insurance covers physical assets: your building, equipment, stock and improvements. Casualty insurance covers your legal liability when your property or operations injure someone or damage what belongs to them.
For building owners, landlords and businesses with significant assets, these coverages are combined into one commercial program. We review your premises, values and operations, then compare insurers to build the right fit.
Who it’s for
- Commercial building owners and landlords
- Warehouses and industrial facilities
- Retail and office tenants
- Manufacturers and distributors
- Agricultural and cultivation operations
What your policy can include
The main coverages we review with every client. We’ll explain each one and help you choose the right limits.
Building
Repairs or rebuilds your commercial building after fire, wind, hail and other covered losses.
Business personal property
Covers equipment, furniture, stock and inventory.
Loss of income
Replaces lost income while your operation recovers from a covered loss.
Loss of rent
Covers rental income landlords lose while a building is being repaired.
General liability
Covers injury and property damage claims from your premises and operations.
Equipment breakdown
Covers boilers, HVAC and electrical systems that break down suddenly.
Property and casualty: what to know
Practical points we walk every client through before they choose a policy.
Your building limit should reflect the full cost to rebuild today, not market value. Underinsuring can reduce what a claim pays.
Severe storms can damage roofs, cladding and rooftop equipment. Roof age and construction matter to insurers.
Sprinklers, monitored alarms, updated electrical and good security can widen your options and improve pricing.
Earthquake and overland flood are usually optional. We will help you decide whether your location makes them worthwhile.
Popular add-ons
Extras worth considering, depending on your situation.
What affects your premium
Insurers look at these factors. Knowing them helps you keep your premium in check.
Covered in three steps
No long calls and no pressure. Most clients are done in one conversation.
Tell us what you need
Complete our online quote form, or call or WhatsApp a broker.
We compare insurers
We shop your coverage across multiple insurers and shortlist the best fit.
Choose and you’re covered
Pick your option. We handle the paperwork and send your documents.
Property and casualty insurance questions
Can’t find your answer? A licensed broker can help in a few minutes.
Ask on WhatsAppProperty insurance covers things you own, like buildings and equipment. Casualty insurance covers your liability to others. Together they protect both your assets and your legal responsibility.
Use the full replacement cost, what it would cost to rebuild at today’s prices, not the market or assessed value. An appraisal or contractor estimate can help.
It replaces the rental income a landlord loses while a damaged building is being repaired after a covered loss.
Usually, yes. Tenants need coverage for their contents, improvements and liability, and most leases require it.
Not automatically. Earthquake and overland flood are typically optional extensions. You can request quotes for both in our application.
Get your property and casualty quote
Free, no-obligation quotes from a licensed broker who compares multiple insurers for you.