Protect the physical assets your business depends on.
Updated 2026 · 355 industries covered · All 50 states
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Commercial Property Insurance protects your business's physical assets — the building you own or the tenant improvements you've made, your equipment, furniture, inventory, and business records — from covered perils including fire, theft, vandalism, windstorm, and burst pipes. When a covered loss occurs, CP coverage pays to repair or replace what was damaged or destroyed. Without it, a single fire, break-in, or severe weather event could mean replacing everything out-of-pocket — an expense that puts most small businesses out of business permanently.
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Most businesses pay $63–$400/month depending on the replacement value of covered property, building construction type, location, fire protection systems, deductible, and claims history. Businesses in coastal hurricane zones, wildfire areas, or high-crime locations pay significantly more for the same property value than businesses in low-risk areas.
Replacement cost coverage is strongly recommended for virtually all business property. ACV coverage deducts depreciation — a 5-year-old piece of equipment with ACV of $2,000 might cost $8,000 to replace with new. The premium difference between RCV and ACV is typically 10-15%. The claim-time difference can mean the difference between recovering fully and closing your business.
A Business Owner's Policy bundles Commercial Property with General Liability at a 10-20% discount. If you also need GL coverage (most businesses do), a BOP is almost always the better economic choice. Standalone Commercial Property makes sense when your property values are unusually high, your GL is placed with a specialty carrier, or your business doesn't qualify for a standard BOP.
Yes — theft including burglary and robbery is a standard covered peril on most commercial property policies. Employee theft (internal dishonesty) is typically excluded and requires a separate Crime/Fidelity Bond. Shoplifting and inventory shrinkage are also generally excluded from standard property policies.
No — flood is one of the most significant standard exclusions in commercial property insurance. If your business is in a flood zone or any area with surface water flooding risk, you need a separate flood insurance policy through the NFIP or a private flood carrier. Many businesses discover this gap only after a flood event — too late to do anything about it.
No — standard commercial property coverage applies only to property at your listed business address. Equipment, tools, or inventory at job sites, in transit, or at off-premises locations requires an Inland Marine policy (also called a contractor's equipment floater or tools and equipment policy).
If your commercial property coverage falls below 80% of the property's replacement value, the carrier applies a coinsurance penalty to any claim payout. Example: Your building has a $1,000,000 replacement value, but you only carry $600,000 in coverage (60% of value, below the 80% requirement of $800,000). A $100,000 fire claim would be paid at only 75% ($75,000) — leaving you $25,000 short. Request a replacement cost appraisal to ensure your coverage amount is adequate.
Yes — Business Interruption coverage is available as an endorsement on most commercial property policies and is standard in most BOPs. It replaces your net income and pays continuing fixed expenses during the restoration period after a covered loss. The critical condition: there must be physical property damage from a covered peril causing the closure. Economic downturns, pandemics, or voluntary closures don't trigger BI.
My Digital Kube is a commercial insurance comparison platform operated by Insurance Pro Agencies, Inc., a licensed insurance agency. Commercial Property Insurance is available in 47 states (excludes AK, HI, FL). Content reviewed by licensed commercial insurance professionals. Last updated 2026-09-29. Individual rates vary — compare quotes for your specific profile. See our editorial policy.