Commercial insurance > Commercial Property Insurance

Protect your business with commercial property insurance.

What is commercial property insurance?
 
Commercial property insurance covers
They can protect the tangible assets you need to operate your day-to-day operations for your business.

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WITH INSURING YOUR RENTAL ASSETS

As an independent agency, we are here to help you find the right Commercial Property Insurance coverage.

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NationOne Insurance
37 Gerardine Place
New City, NY 10956

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Commercial Property Insurance

Commercial property insurance covers

* Brick and Mortar Structure
Example: If a storm knocks over a tree and it lands on top of your building or your store. Commercial business insurance could help cover for the cause of the damages.
* Inventory
Example: If someone breaks into your place of business and steals inventory you have. Commercial business insurance may help to cover the loss.
* Business equipment and furniture
Example: If your restaurant business suffers from a power surge and damages the refrigerator, commercial property insurance can help pay to repair it.

Why NationOne Insurance?

Your Trusted Partner for Renters Insurance

NationOne stands as a beacon for renters in search of a trusted insurance partner, offering a suite of solutions that align with the unique challenges of rental living. Our commitment to personalized service transforms the insurance process, making it as comfortable as your favorite room. From the moment you explore your policy options to the swift support in times of need, our team is by your side, ensuring that your rental journey is backed by a strong, supportive insurance ally. With NationOne, you’re not just covered; you’re cared for, with policies that reflect our deep understanding of what it means to make a rental feel like home.
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Commercial Property Insurance

Your business property insurance can also provide financial help in the event of property damage caused by:

Your business property insurance can also provide financial help in the event of property damage caused by:

Fire
Water
Wind
And Other Risk
Vandalism or theft

Even if you do not own the building but operate your business within the building. You may still need insurance to protect the content in the building in the event of a loss taking place.

Commercial Property Insurance

What type of business needs commercial property insurance?

Most businesses can benefit from commercial property insurance in some form or another. Any business operating a brick-and-mortar or renting an office space can receive protection for their physical assets.
 
These days, many people work from Home as well and operate their business from Home. Commercial property insurance can provide much-added protection a traditional home owner policy will not offer or cover.
 
In many industries, having commercial property insurance coverage is important. It protects you against financial loss you were not expecting. For example, if you are running a brick-and-mortar business and you have inventory and your business sustains a loss from a theft or fire damage. Losses like these without insurance at times can financially impact a business where they may never open back up. With commercial property insurance, you would be protected against the unexpected.

Theft and Burglary Coverage
Fire and Smoke Damage Protection
Water Damage Recovery Options
Vandalism and Malicious Mischief
Electrical Surge Damage Coverage
High-Value Items Special Protection
Accidental Damage to Property
Worldwide Personal Property Coverage
Frequently Asked Questions

Your Questions Answered

Explore our FAQ section for quick answers to common questions about NationOne’s insurance services. From coverage specifics to policy customization and claims, this resource simplifies your insurance journey, providing the insights you need to make informed decisions.
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What does commercial property insurance cover?

Commercial property insurance helps protect the physical assets needed to operate your business. These include:

inventory
Business equipment and furniture
Brick and mortar structures

 

Commercial property insurance can also assist in financial help if the loss is a result of water, fire, wind, vandalism, or some other risk.

 

Please note your policy will state what will be covered under your policy’s along with policy exclusions.

Is commercial property coverage the same as a business owner’s policy (BOP)?

A business owner policy has combined general liability coverages and commercial property insurance. Both are packaged together for the business owner, which typically gives them a discount instead of purchasing bother coverages separately. Small businesses can benefit from both coverages. A Bop policy can cover items in commercial property damage and general liability.

Who needs commercial property insurance?

Commercial property insurance is for all businesses, especially those that own or rent buildings with equipment and property.

Do I need commercial insurance even if I lease the building/space?

Many businesses lease the building they run their operations out of. In this case, you will want to check your lease for your obligation insurance-wise. In many cases, sole tenants will be responsible for insuring the building and will still have to pay rent if the building is damaged. It is best to view your lease and review it with your insurance agency to make sure you are fully covered and you and your business are protected.

What is an ITV, and why is it important?

Conducting regular insurance to value (ITV) of the property used in your business operation is important. It is calculating the cost to replace insured property. It helps to make sure your covered property is adequately protected and you purchase enough coverages for your business needs.

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