Protect Your Business Assets with Our Comprehensive Commercial Property Insurance


Protect Your Business Assets with Our Comprehensive Commercial Property Insurance

Introduction to Commercial Property Insurance

Commercial Property Insurance safeguards your business' physical assets from fire, explosions, burst pipes, storms, theft, and vandalism. Natural disasters except floods and earthquakes are typically covered, but additional coverage can be obtained for these events. It's essential for owning or leasing physical spaces.

Why Choose OnePoint Insurance for Your Commercial Property?

Customizable Coverage: Tailor your policy to fit your specific business needs.

Comprehensive Protection: From buildings to equipment, ensure every aspect of your business property is Secure.

Expert Support: Our team of experienced agents are here to guide you through every step.

Why Choose OnePoint Insurance for Your Commercial Property?


  • Owned or Rented Buildings: This covers the physical structure of the business premises, whether owned or leased. In case of damage due to covered perils (like fire, storm, etc.), the policy helps in repairs or rebuilding.

  • Additions and Additions in Progress: Coverage extends to structures that are being added to the existing building, protecting against losses during construction or renovation.

  • Outdoor Fixtures: This includes items such as signs, fences, and satellite dishes attached to or near the business premises.

Business Personal Property

  • Furniture and Equipment: Covers office furniture, computers, printers, and other equipment. It’s important for businesses that rely heavily on their equipment to function.

  • Inventory: This includes products and goods held for sale. Coverage is essential for retail businesses, warehouses, and manufacturers, as it protects against loss or damage to stock.

  • Tools and Machinery: Specialized tools and machinery essential for business operations are covered. This is particularly important for manufacturing or construction businesses.

  • Valuable Papers and Records: Coverage for the loss of important documents such as contracts, accounting records, and customer data. It often includes the cost of reconstructing these papers if they are damaged or destroyed.

Business Interruption

Lost Income and Extra Expenses during Restoration: If a covered peril forces the business to temporarily close, this coverage helps replace lost income and covers additional expenses incurred to keep the business operational during repairs, such as relocating to a temporary location

Additional Options

  • Flood and Earthquake Coverage: Standard commercial property policies typically exclude natural disasters like floods and earthquakes. This coverage can be added to protect against these specific risks.

  • Equipment Breakdown: Covers the cost of repairing or replacing business equipment that breaks down suddenly and accidentally. It’s different from wear and tear, covering incidents like power surges or mechanical malfunctions.

  • Business Income for Off-Premises Utility Services: If a utility service (like electricity, water, or telecommunications) that your business relies on is disrupted due to a covered peril, this coverage helps replace lost income and cover additional expenses during the outage.

Real-life Scenarios Where Coverage Applies

Scenario 1: Fire Damages Your Manufacturing Facility

Event: A significant fire outbreak occurs at your manufacturing facility, causing extensive damage to the building, machinery, and inventory.


  • Building Damage: Insurance helps cover the costs of repairing or rebuilding the damaged parts of the facility.

  • Machinery and Equipment: The policy compensates for the repair or replacement of damaged machinery and equipment essential for your manufacturing processes.

  • Inventory Loss: Covers the cost of the inventory that was destroyed in the fire.

  • Business Interruption: If the fire forces your facility to cease operations temporarily, this coverage kicks in to replace lost income and cover ongoing expenses (like salaries and loan payments) during the downtime.

Scenario 2: A Burst Pipe Floods Your Retail Store

Event: A pipe bursts overnight, leading to significant water damage throughout your retail store. This damages your products, fixtures, and possibly the store's interiors.


  • Interior Damage: Insurance helps pay for repairs to flooring, walls, and fixtures affected by water damage.

  • Damaged Inventory: Reimburses the cost of goods that are unsellable due to water damage.

  • Business Interruption: If the store needs to close for repairs, business interruption coverage can compensate for lost income during this period.

Scenario 3: Theft of Expensive Equipment from Your Office

Event: Burglars break into your office and steal high-value equipment like computers, specialized tools, or machinery.


  • Stolen Equipment: The policy covers the cost of replacing the stolen equipment. This is vital for businesses that rely on specialized or high-value equipment to operate.

  • Property Damage: If the theft involves breaking into the facility, resulting in property damage (broken doors, windows, etc.), this is also covered.

  • Business Interruption: Should the theft significantly disrupt your business operations, the insurance can help cover lost income and additional expenses incurred to get your business back on track, such as renting temporary equipment.

In each scenario, commercial property insurance plays a critical role in helping businesses recover from significant losses and disruptions. It's important for businesses to carefully review their policy details and limits to ensure they have adequate coverage for such incidents.

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555 North Point Center E Suite 400, Alpharetta, GA 30022

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