Business Property Insurance
Your building, equipment, and inventory are essential to running your business-and protecting them is key to keeping operations smooth. At The Mackrides Insurance Group, we help business owners across Pennsylvania find property insurance that covers their physical assets against fire, theft, storms, and more.
Do I Need Business Property Insurance?
Whether you own a storefront, office, or warehouse, property insurance protects the foundation of your business.
Protects Your Building & Assets
Coverage for structures and the items inside them.
- Repairs or replaces damaged property
- Includes signage, furniture, and fixtures
- Protects against fire, vandalism, or weather damage
Keeps Operations Running
A property loss doesn't have to mean closing your doors.
- Covers business equipment and tools
- Helps replace stolen or destroyed inventory
- Can include business interruption coverage
Meets Lease or Loan Requirements
Landlords and lenders often require proof of property insurance.
- Keeps agreements in good standing
- Avoids legal or financial setbacks
- Provides peace of mind for building owners
Affordable Coverage Options
Policies can be tailored to your property's size, value, and location.
- Customized for retail, offices, and industrial spaces
- Scalable for small or growing businesses
- Flexible deductibles and limits
Standard commercial property policies may include:
What Does Business Property Insurance Cover?
Building Coverage
Protects the structure of your business location.
Contents Coverage
Includes furniture, electronics, and supplies.
Equipment Breakdown
Covers costly repairs to machinery or systems.
Outdoor Property
Signs, fences, and landscaping.
Understanding Property Insurance Options
We'll help you build a policy that reflects your unique operations:
- Replacement Cost vs. Actual Cash Value - Decide how property is valued.
- Flood & Earthquake Add-Ons - Protection beyond standard policies.
- Business Interruption Coverage - Helps replace lost income during closures.
- Multi-Policy Discounts -
Bundle property insurance with general liability or workers comp.
Frequently Asked Questions
Do I need property insurance if I rent my building?
Yes. Your landlord's policy won't cover your inventory or equipment.
Is business property insurance required by law?
Not usually, but most leases and loans require proof of coverage.
What's the difference between replacement cost and actual cash value?
Replacement cost pays to replace items with new ones, while cash value deducts for depreciation.
Does property insurance cover flood damage?
Flooding isn't typically included, but separate coverage is available.
Can I bundle property with other coverages?
Yes, combining property with liability or workers comp often saves money.
