Florida Commercial Property Insurance

Peace of Mind for your business itself.

Every business has tangible assets they need to do their job and deliver results for some that include a physical location, equipment, and parts to make a final product. For smaller businesses, it may only be a computer and office equipment. What would happen to your company tomorrow if these assets were suddenly gone?

Commercial property insurance protects your business from the loss of these assets due to fires, vandalism, theft, and equipment breakdown. The insurance pays to replace or rebuild property destroyed by a covered loss.

A vital coverage to add to your property policy is a loss of business income. This additional coverage pays for lost revenue if you have to close your doors to rebuild for some time. Bills don’t typically stop when this occurs, and the right property insurance makes sure you remain up to date on these expenses.

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Get the protection you need and the attention you deserve!

It’s essential to understand what your coverage options are — not just for your property, but for you, and to others.

We’re local, independent insurance agency that provides tailored, personalized insurance coverage at a price that matches your needs.

Why do you need</br> Commercial Property?

Why do you need
Commercial Property?

Having insurance is a legal requirement that provides financial protection of the cost of a potential loss.
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What does Commercial Property</br> Insurance cover?

What does Commercial Property
Insurance cover?

The right level of cover protects in the event of your damage to properties and injuries you and to others.
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How Much Does Commercial</br> Property  Insurance Cost?

How Much Does Commercial
Property Insurance Cost?

An insurance premium is based on several factors, including your age, where you live, and what kind covers you buy..
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Why do you need Commercial PropertyInsurance?

Florida commercial property insurance is like the strait-laced, a dependable partner. With it, your business and income stream is protected. Also, having the means for replacing all your business’s stuff. So if you’re not a fan of sudden catastrophic debt, we need this insurance. Property insurance comes in a variety of flavors with a seemingly endless array of options. At WE Insure, we can guide you to get the right suite of coverage for your business.

Here are some specific circumstances that commercial property insurance would cover:

  • Cover damages to your property caused hazards or peril,
  • Cover damages to personal your property caused hazards or peril,
  • Cover damages to own your equipment and machinery caused hazards or peril,
  • If Theft or Vandalism of your commercial property,
  • Spoiled inventory caused by equipment failure or power outage,
  • Bankruptcy and closure, ruined reputation, and legal trouble.

What does Commercial Property Insurance cover?

Florida commercial property insurance policy is designed to be flexible, protecting you against several risks that are involved in perils and hazards on buildings owned or occupied (tenant) by the insured.

Typical Components Of Florida Commercial Property Policy

Buildings and other Structures

You are protecting your building and contents that are owned by the company.

Equipment Breakdown

This coverage includes loss due to an electrical or mechanical breakdown of nearly any type of equipment, including photocopiers and computers.

Business Personal Property

This coverage includes items that can be quickly taken out, like office equipment, inventory, and other supplies.

Business Income Interruption

Pays for the income you’d lose if your business is damaged and you can’t perform your regular business operations.

Common Structures covered perils.

  • Weather-related damages, such as wind or hail,
  • Water damage from internal sources, but not from flooding,
  • Personal property damage caused by theft or vandalism,
  • Damage from civil disturbances Explosions (like gas explosions),
  • Damage caused by Falling Objects.

Hazards, such as floods and earthquakes, are not typically covered by standard policies, there are additional coverage options available.

How Much Does Commercial Property Insurance Cost?

Insurance costs vary widely based on single business rating factors, and every single insurance quote will generate a different premium. We compared premiums from some of Florida’s most popular insurers.

Property Location

Is your building constructed with fireproof materials? Does it have new or upgraded electrical wiring, plumbing, and HVAC?

Construction Type

Is your building constructed with fireproof materials? Does it have new or upgraded electrical wiring, plumbing, and HVAC?


What is your industry? A realtor’s office generally carries less risk than a restaurant or repair shop.

Types of Equipments

Heavy industrial equipment will cost more to insure than an at-home business’ sewing machine.

Safety and Security

This coverage expands on the geography and location aspects. Is your commercial property located in a high crime area?

Coverages You Choose

Your insurance choices and coverage amounts have a significant impact on how much you’ll pay.

Credit History

The better your credit, the more favorable your rates will usually be.

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