Commercial Property Insurance

Protecting your building, equipment, and income when unexpected losses occur.

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Coverage for the Physical Side of Your Business

When property is damaged, operations don’t stop politely.

Commercial property insurance helps protect the buildings, contents, and assets your business relies on — whether you own or lease your space.

Office & Retail Businesses

Buildings, furnishings, inventory, and equipment.

Industrial & Service Operations

Machinery, tools, and business personal property.

Property Owners & Tenants

Coverage structured around ownership and lease obligations.

What Commercial Property Covers

Protection against common causes of physical loss and damage.

Buildings & Structures

Coverage for owned buildings and permanently installed fixtures.

Business Personal Property

Office furniture, equipment, inventory, raw materials, and supplies.

Fire, Theft & Weather

Protection against covered events such as fire, theft, and storms.

Equipment & Machinery

Coverage for tools, machines, and operational assets.

Optional Enhancements

Expanded coverage tailored to specific business risks.

Business Income & Interruption Coverage

Physical damage is only part of the loss.

  • Replaces lost income during covered shutdowns
  • Covers ongoing expenses while operations are paused
  • Helps fund temporary locations if needed
  • Supports faster recovery after a disaster

How Commercial Property Is Packaged

Many businesses combine property and liability into a single policy.

  • Business Owner’s Policies (BOPs) bundle key coverages
  • Property and general liability under one contract
  • Often includes business income coverage
  • Available to qualifying small and mid-sized businesses

Why Businesses Choose Salter Insurance

Coverage structured around real exposure, not assumptions.

Property Risk Insight

Understanding how buildings and contents are actually used.

BOP Expertise

Helping determine when bundled coverage makes sense.

Carrier Access

Options for a wide range of business types and sizes.

Ongoing Support

Assistance with changes, claims, and growth.

Protect Your Property — and Your Income

We help you design coverage that supports recovery, not just repairs.

1

Review Property & Assets

Buildings, contents, and equipment.

2

Assess Business Interruption Risk

Downtime, income loss, and recovery time.

3

Structure the Policy

Standalone coverage or BOP, as appropriate.