Peace of mind for in your place of business.


Business Property Insurance

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

Also 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.

Our dedicated team will work with you on an individual basis to find a policy that best suits your needs, for you, your family, and possessions are secure.


Tell us about your insurance needs.

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

Learn more about Business Property Insurance Coverage

Florida Insurance Requirements

Understanding the different types of coverages can help you find the right property insurance policy for your needs and budget.

It's Your Financial Protection.

Understand Florida policy coverages.

Find out what will impact the insurance price.

Why do you need Business Property Insurance?

Florida commercial property insurance is like the strait-laced, a dependable partner. With it, your business and income stream are protected. Also, having the means for replacing all your business’s staff. 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 Business Property insurance would cover:

Cover damages to your property caused schedule hazards or peril.

Cover damages to your personal property caused schedule hazards or peril.

Cover Theft or Vandalism of your property.

Cover Bankruptcy and closure, ruined reputation, and legal trouble.

Cover spoiled inventory caused by equipment failure or power outage.

At WE Insure, we offer free, comparative auto, home, and business quotes from multiple insurance carriers to get you the best possible assurance rate.

Want to see how much we can save you? Just request a quote to find out.

What does Business 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 Florida Homeowners Policy Components.

Buildings and other Structures

This overage protect your building and contents that are owned by you or the company.

Business Personal Property

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

Business Income Interruption

This coverage pays for the income you’d lose if your business is damaged, and you can’t perform your regular business operations.

Loss of use

This coverage help you to pay for additional living expenses if you’re unable to live in your home due to a covered loss.

Liability insurance

This covers you in the event you or your family members are responsible for causing injury or damage to another person or their property.

Medical Payments to others

This can help pay for minor injuries if a guest is hurt on your property. This coverage is usually sold in a small amount,

Common covered perils on Florida Business property insurance policy

Fire, or Lightning.

Weather-related damage, such as windstorm or hail.

Water damage, not from flood.

Damage caused by Falling Objects.

Theft of personal property.

Damages caused by Vandalism and Malicious mischief.

Rioting or civil disturbances

Explosion causing damage to the covered structure.

Damage from an aircraft, car or vehicle

Sudden and accidental tearing, cracking, burning, or bulging

Volcanic Eruption

Damage from smoke

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

What does Business Property Insurance Cover?

Business Property insurance costs vary widely based on individual rating factors, and every single insurance quote will generate a different premium.

Bellow, you can find some of the things that commonly influence homeowners insurance rates.


— Everything from the land value of your business location to local crime rates can impact the annual cost of your premium.

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.

Type of Equipment

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

Safety and Security

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

Claims History

— Claims maid on a homeowner’s insurance policy it'll increase the premium.

Coverages You choose

— Your insurance and coverage amounts choices and deductibles, have a significant impact on how much you'll pay.



Top-rated insurance companies in Florida.


We specialize personal and commercial lines.


We’ll be there for you whenever you need us.

Have any questions?

(239) 313-2045

Open Mon - Fri

09:00 - 17:00

Need some help?


Back to Top