Business Property Insurance in Columbia, MO

What Is Commercial Property Insurance?

Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company. "Property" can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.

Under the liability policy coverage, the building should be protected from damaging events such as fire, burglary and vandalism. It may not be enough to cover just the building — the aftermath of such damage should be covered as well.

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Why Commercial Property Coverage Matters

Your business property represents a significant investment. Whether you own or lease your space, the equipment, inventory, and fixtures inside are essential to your daily operations. A single fire, break-in, or severe storm could halt your business without proper coverage.

Insurance Plus works with over 40 carriers to find the right commercial property policy for your specific business needs, ensuring you're not overpaying while maintaining adequate protection.

What Does Commercial Property Insurance Cover?

A comprehensive commercial property policy typically covers damage to your building, business personal property, outdoor fixtures, and can even include coverage for lost income during a covered event. Common covered perils include fire, lightning, windstorm, hail, vandalism, and theft.

Consider pairing your property coverage with business interruption insurance to protect against lost income during rebuilding.

What's Typically Covered