COMMERCIAL PROPERTY INSURANCE & BOPS
Since 1981 - Coast to Coast Business Insurance Services
Commercial Property Insurance Specialists
Protecting Your Property, Securing Your Future
At Professional Insurance Center, we understand that your commercial property represents more than just buildings and equipment—it's the foundation of your business success. Our Commercial Property Insurance Services are designed to provide robust protection for your physical assets while adapting to the evolving risks businesses face each coming year. PIC is a dedicated provider of commercial property insurance options from top-rated insurance carriers, which is essential for businesses to protect physical assets, such as buildings, equipment, and inventory, from damage or loss. As an independent commercial insurance company, we can provide you with multiple commercial property insurance quotes and customized options to help you save.
At Professional Insurance Center, protecting your business assets is our top priority. Our Commercial Property Insurance solutions are designed to safeguard your business other vital assets from unexpected losses. Whether you own a small retail shop, a growing office complex, or an industrial facility, our policies provide the financial protection and peace of mind you need to operate confidently.
Request your FREE quote today and discover the Professional Insurance Center Difference.
What Is Commercial Property Insurance?
Commercial property insurance protects your business's physical assets from covered perils such as fire, theft, vandalism, and natural disasters. This essential coverage helps ensure that unexpected events don't derail your business operations or financial stability.
- Building and Structural Coverage – Protection for the physical premises, including walls, roof, and fixtures
- Business Personal Property Coverage – Coverage for office furniture, equipment, and inventory on-site
- Business Interruption Insurance – Compensation for lost income during periods when your property cannot be used due to covered damages
- Equipment Breakdown Coverage – Protection for essential systems and machinery that keep your business running
- Off-Premises and Transit Coverage – Safeguarding goods and materials while in transport or temporarily stored elsewhere
Commercial insurance solutions customized to fit your business needs.
Why Choose Professional Insurance Center?
1. CUSTOMIZED COMMERCIAL PROPERTY INSURANCE Solutions
We don't believe in one-size-fits-all insurance. Our experienced agents work closely with you to understand your unique business risks and craft a policy that provides optimal protection without unnecessary costs. PIC works with many professional insurance carriers, and we can customize your commercial property insurance and Business Owner Policy (BOP) options - all at competitive rates.
PIC offers Custom BOPs & Property Insurance Options - Each type of insurance addresses specific risks, and many businesses opt to combine various coverages into one BOP package to meet their unique commercial insurance needs. Here at the Professional Insurance Center, we take great pride in helping you protect your most important business aspects. Call us today to learn more about how we can customize a business insurance plan of action for your company.
2. WHO WE SERVE - Industry Expertise SINCE 1981
With decades of experience serving businesses across diverse industries, we understand the specific liability challenges faced by:
- Retail establishments
- Professional services
- Ground transportation providers
- Contractors and construction companies
- Manufacturing and distribution
- Healthcare providers
- Technology firms
- Hospitality businesses
- And more
3. Our Comprehensive Coverage Options
Building Coverage
- Protection for owned or leased buildings
- Coverage for structural improvements and betterments
- Rebuilding costs including materials and labor
- Compliance with updated building codes
Business Personal Property
- Equipment, machinery, and tools
- Inventory and raw materials
- Furniture and fixtures
- Computers and electronic equipment
- Valuable papers and records
Additional Coverage Extensions
- Business Income Protection: Covers lost income during restoration
- Extra Expense Coverage: Pays for temporary relocation costs
- Equipment Breakdown: Protection for mechanical and electrical failures
- Ordinance or Law Coverage: Covers increased costs due to building code changes
- Debris Removal: Cleanup costs after a covered loss
4. INSURANCE Claims Support Excellence
When incidents occur, you need more than just coverage—you need an advocate. PIC provides a dedicated claims team that offers:
- 24/7 claims reporting
- Expert guidance throughout the claims process
- Rapid response to minimize business disruption
- Direct liaison with insurance carriers on your behalf
- Fast communications to keep you up to date
- State-of-the-art, secure documents and digital information processes
If you are looking for a dedicated commercial property insurance company that will help you get the customized coverages then start your FREE INSURANCE QUOTE TODAY.
We are here to help you succeed! PIC offers a wealth of BOP Insurance Information. Call Toll-Free (800) 926-1212
What Commercial Property Insurance Covers
Commercial Property Insurance typically covers:
- Buildings: This includes the structure of the building(s) owned or leased by the business, such as offices, warehouses, retail spaces, and factories.
- Business Personal Property: This encompasses all the tangible assets used in the operation of the business, including:
- Furniture and fixtures
- Equipment (machinery, computers, tools)
- Inventory (stock, raw materials, finished goods)
- Supplies
- Exterior Structures: This can include detached structures like garages, fences, signage, and landscaping.
Common Perils Covered
Standard commercial property policies often cover damage caused by a variety of perils, including:
- Fire and smoke
- Windstorms and hail
- Vandalism and malicious mischief
- Theft
- Water damage (from burst pipes, sprinkler systems, etc. - exclusions often apply for floods and sewer backups)
- Explosions
- Falling objects
Key Optional Add-Ons
To provide more robust protection, businesses often include additional coverage options such as:
- Business Interruption Insurance: Compensates for lost income and operating expenses when business operations halt due to covered property damage.
- Equipment Breakdown Coverage: Covers damages from mechanical or electrical equipment failures.
- Builder’s Risk Insurance: Temporary coverage for structures under construction or renovation.
- Extra Expense Coverage: Helps pay for temporary relocation costs or expedited repairs to minimize downtime.
- Inland Marine Insurance: Protects property that moves offsite, such as tools, materials, or goods in transit.
- Valuable Papers and Records: Reconstruction costs for important documents
- Accounts Receivable: Lost income from destroyed billing records
- Fine Arts Coverage: Protection for artwork and collectibles
- Transit Coverage: Property in transit between locations
- Installation Floater: Equipment being installed
Business Owner Policy (BOP) Made Easy
PIC - Smart, Simplified Protection for Small and Mid-Sized Businesses
Running a business involves managing multiple moving parts — from operations to employees, customers, and property. Protecting your business from unexpected losses shouldn’t be complicated. A PIC Business Owner Policy (BOP) offers a convenient and cost-effective way to combine essential insurance coverages into a single, comprehensive package tailored to your specific needs. Call PIC today and we'll help you get covered.
What Is a Business Owner Policy (BOP)?
A Business Owner Policy is an insurance solution designed specifically for small and medium-sized enterprises. It bundles several types of protection that most business owners require under one policy—typically at a lower premium than purchasing each policy separately. PIC makes getting a comprehensive BOP policy easy in 3 simple steps.
A BOP usually covers three main areas:
- Property Insurance: Protects your business buildings, office space, equipment, and inventory against losses caused by fire, theft, or other perils.
- General Liability Insurance: Covers third-party claims related to bodily injury, property damage, and advertising injury arising from your business operations or products.
- Business Interruption Insurance: Also known as business income coverage, it helps compensate for lost income and operating expenses if your business must temporarily close after a covered loss.
A Business Owner Policy is built around the concept of simplicity and affordability. It’s particularly beneficial for business owners who need core protection without dealing with multiple insurers or managing separate policies.
Key advantages include:
- Comprehensive Coverage in One Policy: Reduces administrative burden while offering broad protection.
- Cost Savings: Bundling coverage typically lowers total premium costs.
- Customizable Options: You can add endorsements or supplemental coverage for unique risks.
- Business Continuity: Coverage for lost income ensures operations can quickly resume following an unexpected event.
If you are looking for a dedicated insurance company that will help you get the customized coverage you’re looking for, then turn to the Professional Insurance Center today and start your FREE INSURANCE QUOTE.
Protecting Businesses for over 45 Years!
