Commercial Property Insurance for Your Business
Harris Insurance has been delivering dependable insurance solutions since the 1970s, earning a reputation for professionalism, transparency, and client-first service. We specialize in helping businesses protect their physical assets, offering comprehensive commercial property insurance policies that address real-world risks across multiple industries.
Our Commercial Insurance Services
We provide a full suite of commercial building insurance products that protect against fire, theft, vandalism, weather damage, equipment loss, liability claims, and business interruptions. Our policies include:
Property Insurance
Protects your buildings, equipment, and inventory against damage from fire, storms, theft, and vandalism.
General Liability Insurance
Covers legal costs and damages if your business is held responsible for bodily injury or property damage to others.
Business Interruption Insurance
Compensates for lost income and ongoing expenses if your operations are disrupted by a covered event like a fire or natural disaster.
Commercial Auto Insurance
Provides coverage for vehicles owned or used by your business, including liability and physical damage protection.
Equipment Breakdown Insurance
Covers repair or replacement costs for critical machinery and equipment damaged due to mechanical failure or electrical issues.
Crime Insurance
Protects against losses caused by employee theft, fraud, forgery, or burglary.
Workers’ Compensation Insurance
Provides medical care and wage replacement for employees injured on the job, while protecting your business from related lawsuits.
Professional Liability Insurance
Also known as Errors & Omissions commercial rental property insurance, it protects against claims of negligence or mistakes in the professional services you provide.
Cyber Liability Insurance
Covers expenses related to data breaches, cyberattacks, and loss of sensitive customer information.
Product Liability Insurance
Protects your business from claims arising from injuries or damages caused by products you manufacture or sell.
Environmental Liability Insurance
Covers costs related to pollution cleanup and damages caused by environmental hazards resulting from your business operations.
What Does Commercial Property Insurance Cover?
Retail Shops
Whether you run a boutique, convenience store, or showroom, commercial property insurance safeguards your storefront, merchandise, display fixtures, and point-of-sale equipment against fire, theft, vandalism, and natural disasters.
Warehouses
For storage facilities and distribution centers, this coverage protects large inventories, industrial shelving, and warehouse equipment from risks like water damage, break-ins, and structural damage due to storms or accidents.
Apartment Complexes
Property owners and landlords benefit from coverage for multi-unit residential buildings, including the structure itself, common areas, maintenance equipment, and liability protection for incidents on the premises.
Office Spaces
From tech startups to law firms, this property commercial insurance covers the physical office environment—desks, electronics, furniture, and fixtures—along with protection against loss of income during disruptions caused by covered events.
Efficient Claims Handling & Support You Can Count On
Filing an insurance claim shouldn’t add stress to an already difficult situation. Our commercial property insurance clients benefit from ongoing customer care and professional risk consultation, even after the policy is issued. At Harris Insurance, we simplify the process:
1
Quick, Streamlined Claim Filing: Our user-friendly digital tools and responsive service make it easy to report property damage or loss without delay—so you can focus on recovery, not paperwork.
2
Dedicated Claims Support Specialists: You’ll be paired with a knowledgeable claims professional who understands your industry and stays with you throughout the entire process.
3
Expert Guidance on Documentation: We help you collect and organize the right documentation—photos, receipts, reports—so your claim is processed accurately and efficiently.
4
Fast Turnaround and Updates: Our team works quickly to assess, process, and settle your claim. You’ll receive regular updates so you’re never left in the dark.
5
Direct Communication with Your Adjuster: We make sure you have open, direct access to your claims adjuster to answer questions, clarify steps, and resolve concerns in real time.
Why Your Business Needs Commercial Property Insurance
Accidents and disasters can happen when you least expect them. Whether caused by a storm, fire, or criminal activity, the damage can cost thousands, or even millions, without the right protection.
Protects Physical Assets
Covers buildings, equipment, furniture, and inventory against damage from fire, theft, vandalism, and weather events.
Minimizes Financial Loss
Avoids out-of-pocket expenses by covering repair or replacement costs for damaged or destroyed property.
Ensures Business Continuity
Helps you recover and resume operations quickly after a loss, reducing downtime and disruption.
Covers Loss of Income
Business interruption coverage compensates for lost revenue if you’re forced to temporarily close due to a covered event.
Safeguards Tenant and Visitor Safety
Liability coverage protects against claims if someone is injured on your property due to unsafe conditions.
Boosts Credibility
Many landlords and financial institutions require commercial property insurance before approving leases or loans.
Provides Peace of Mind
Knowing your property is protected allows you to focus on running your business instead of worrying about unexpected damage.
Customizable Coverage Options
Tailor your policy to match your specific property type, industry, and risk exposure—no one-size-fits-all.
Covers Temporary Relocation Costs
If your space becomes unusable, insurance can pay for temporary office or retail space while repairs are made.
Enhances Business Resilience
With strong protection in place, your business is better equipped to withstand disasters and recover stronger.
Meets Legal Requirements
Some jurisdictions and contracts require businesses to carry property insurance for compliance and liability protection.
Adds Risk Management Plan
A core component of a sound business strategy, property commercial insurance is a proactive step toward securing long-term success.
How to Choose the Right Property Insurance Coverage
Finding the right small group health insurance doesn’t have to be overwhelming. We simplify the process and walk you through each step to ensure your coverage is tailored to your goals and budget.
1
Initial Consultation & Risk Evaluation
We start by learning the ins and outs of your business—your property’s location, size, use, and value. This foundational step helps us understand the specific exposures your building and assets may face.
2
Industry-Specific Risk Mapping
Different industries face different risks. A retail store has different concerns than a manufacturing facility. We analyze sector-based threats such as theft, weather patterns, fire risk, and mechanical failure to tailor your protection accordingly.
3
Tailored Insurance Quote
Using your risk profile, we create a personalized quote that reflects the level of protection your property requires—never underinsured, never overcharged. Our goal is to balance cost-effectiveness with comprehensive coverage.
4
Review of Policy Limits and Deductibles
We carefully go over your coverage limits to ensure they align with your property value and potential replacement costs. We also help you select deductibles that fit your cash flow without compromising protection.
5
Ongoing Policy Adjustments
As your business expands, upgrades its equipment, or relocates, your insurance needs evolve. We offer ongoing policy reviews and proactive recommendations to ensure your coverage scales with you.
6
Claims Preparedness & Support Strategy
We don’t just insure your property—we help prepare you for what to do if damage occurs. You’ll get guidance on how to document assets, file claims efficiently, and minimize loss through pre-disaster planning and real-time support.
The Risks of Insufficient Commercial Insurance Coverage
Don’t let your future ride on uncertainty—get comprehensive commercial buildings insurance that supports long-term security. Choosing cheap or minimal coverage can leave you vulnerable to:
Uncovered Property Damage
Basic or limited coverage may not fully protect your building or contents, leaving you to pay for major repairs or total losses out of pocket.
Costly Legal Liability
Without the right liability add-ons, you could be exposed to expensive lawsuits from third parties, customers, or vendors injured on your premises.
Lost Rental Income
If your property becomes uninhabitable and you lack rental income protection, you may lose months of revenue while still paying ongoing expenses.
Business Reopening Delays
Insufficient coverage for business interruption can delay your recovery, prolonging downtime and risking customer loss.
Equipment Replacement Gaps
Low-limit policies may not cover the full cost to replace specialized tools, systems, or machinery essential to daily operations.
Tenant Displacement Costs
If you’re a landlord and a claim displaces tenants, inadequate coverage may leave you responsible for temporary relocation costs or refunds.
Breach of Contract Terms
Many lease agreements, mortgages, and investor agreements require a minimum level of insurance. Underinsuring can put those contracts—and your business—at risk.
Increased Out-of-Pocket Expenses
Choosing a cheaper commercial property owner insurance plan often means higher deductibles, more exclusions, and more personal financial risk when disaster strikes.
At Harris Insurance, we are dedicated to providing personalized service to help you secure the right coverage. Your business’s security is our priority, and we are here to ensure that you are protected against the unexpected, every step of the way.
FAQ
What is commercial property insurance?
Commercial property insurance is a policy that covers buildings, structures, and contents used for business purposes. It helps businesses recover financially from property-related damages like fire, theft, vandalism, or natural disasters.
What is the best commercial property insurance?
The best commercial property insurance combines broad protection, competitive pricing, and responsive customer service. Harris Insurance provides customized solutions backed by industry expertise and fast claims processing.
Which is not covered under commercial property insurance?
Most policies do not cover floods, earthquakes, or intentional damage. These risks often require separate policies or add-on endorsements.
How often is commercial property insurance paid?
Policies can typically be paid annually, semi-annually, or monthly, depending on your provider and preference. Harris Insurance offers flexible billing to fit your business needs.
Get in Touch
For more insurance information, please contact us here. We will get back to you shortly.
6445 W. Sunset Rd., Ste. 156 Las Vegas, NV 89118 (Located In Sunset Business Center)
Monday to Friday 7:30 to 4:30 PM Saturday and Sunday CLOSED
702.202.6611