Commercial Property Insurance

Secure Your Assets with Commercial Property Insurance

Coverage for buildings, equipment, inventory, and more

Tailored Commercial Property Protection

Commercial Property Insurance from Peterman Insurance Services protects your physical assets—buildings, machinery, inventory, and business personal property—from risks like fire, theft, vandalism, and weather events. Our risk-focused analysis ensures you carry the right limits and endorsements to keep operations running smoothly and assets fully covered.

Building Coverage

Pays to repair or rebuild your owned or leased structures after damage from covered perils.

Equipment Breakdown
Covers sudden and accidental breakdown of boilers, air conditioners, generators, and other vital machinery.

Business Personal Property

Protects movable assets—furniture, equipment, inventory, and supplies—inside your premises.

Your commercial Property insurance Questions, Answered

Get straightforward answers to common Commercial Property Insurance questions—so you can select the right protections and limit your financial exposure.

It covers direct physical loss or damage to buildings and business personal property caused by covered perils, such as fire, windstorm, theft, and sprinkler leakage.

Business interruption—often added via an endorsement—reimburses lost income and ongoing expenses if a covered loss forces you to suspend operations.

Limits are based on replacement cost values for your building, equipment, and inventory. Insurance companies use industry-standard valuation tools to set accurate limits.

If your local building codes require upgrades after a loss, ordinances and laws coverage helps pay for demolition, increased construction costs, and code compliance.

The coinsurance clause requires insuring your property to a specified percentage of its value. Falling short may lead to a penalty at claim time where the insurer pays only a proportional share.

Yes—vacancy and seasonal endorsements adjust your coverage terms and rates to reflect lower occupancy or limited use periods. We’ll tailor your policy to your operational calendar.