Commercial Property protects the physical things your business owns or is responsible for. In Florida, the fine print on wind and water is where coverage is won or lost — that’s exactly where we slow down and read.
What it covers
- Buildings you own or are contractually responsible for
- Business personal property — equipment, furniture, inventory
- Tenant improvements and betterments
- Equipment breakdown and ordinance-or-law (added by endorsement)
Who needs it
Any business that owns a building, expensive equipment, or stocked inventory.
Florida note
We scrutinize wind/hurricane deductibles (often a percentage, not a flat dollar amount), flood exclusions, ordinance-or-law limits, and replacement-cost vs. actual-cash-value — the four places Florida claims go sideways.