Building
The structure, permanently installed fixtures and machinery, against fire, wind, hail, vandalism and the other perils named.
Valued at replacement cost by the carrier; underinsurance can reduce a claim payment.
Commercial building and property
Cover the building, the contents and the income.
Offices, retail, restaurants, warehouses, mixed-use and landlord-owned buildings. Tell us about the property and how it is used, and a licensed representative prepares commercial property options.
Licensed · Independent · No obligation · Nothing bound or charged until you choose
What the coverages mean
Plain words for every line on a quote
Business personal property
Contents: furniture, equipment, stock, tenant improvements.
The part a tenant insures when the landlord insures the building.
Business income
Lost income and continuing expenses while a covered loss keeps the business closed.
Often the largest loss after a fire, and the one most often left off.
Equipment breakdown
Sudden mechanical or electrical failure of boilers, HVAC, refrigeration, computers.
Standard property policies exclude it.
Ordinance or law
The extra cost to rebuild to current code, and to demolish the undamaged part when the law requires.
Older buildings carry the biggest gap here.
Not included: liability
Commercial property covers the property. Injuries to customers, products, and operations need general liability or a Business Owners Policy.
Ask for it on the form and it is quoted separately.
How it works
Three steps, one place for everything
- 1
Tell us what to cover
About five minutes on a phone. Your progress is saved as you go. No Social Security number, licence number or payment is asked for.
- 2
A licensed representative reviews it
A real person, licensed in your state, prepares quote options from the carriers they are appointed with and uploads the carrier documents.
- 3
Compare, ask, choose
Your quotes land in a private portal where you can compare coverage and deductibles side by side, ask questions, and say which one interests you.
Start my quote requestAbout five minutes. Saved as you go.
Questions people ask
Does this cover someone getting hurt in my store?
No. That is general liability, or a Business Owners Policy that combines property and liability. Tick "also interested in" on the form and your representative quotes it alongside.
Is a quote a binding offer?
No. A quote is an estimate prepared from the details you give. The carrier confirms the final rate, coverage and eligibility before any policy is bound, and nothing is charged until you choose to proceed.
Which carriers do you quote?
The licensed professional assigned to your request quotes the carriers they are appointed with in your state. We name the carrier on every quote we send you.
Who sees my information?
The representative assigned to your request and the agency that supervises them. It is not sold or shared for marketing.
Also from For The People
Ready when you are.
A quote is an estimate prepared from the details you give. The carrier values the building and confirms the final rate and eligibility before any policy is bound. Commercial property insurance does not cover liability; general liability or a Business Owners Policy is quoted separately.