Commercial Property Insurance

Business property insurance is far more than just protecting your building.  One of the great features of the commercial property policy is that one contract is used for almost all commercial property. 

Commercial Property Insurance

Whether you are insuring a restaurant, grocery store, manufacturing plant, retail store, warehouse or a condominium association you use the same basic contract.  In order to determine how to structure your commercial property policy, we ask two basic questions:

  1. What property do you want to insure
  2. From what perils do you want to insure it

The answers to these two questions allow us to insure large and complex businesses such as Ford Motor Company or a small local florist.  The commercial property insurance policy has thirteen sub-forms or categories of property from which to choose based on how you answer the two questions.

These categories include:

  1. Building and business personal property
  2. Business income
  3. Extra expense
  4. Business income with extra expense
  5. Glass
  6. Builders risk
  7. Leasehold interest
  8. Condominium association
  9. Condominium commercial unit – Owners’
  10. Legal liability
  11. Mortgage holders errors and omissions
  12. Tobacco sales warehouse
  13. Standard property form

The first three are the most common coverage forms used.  Let David Insurance help you decide the appropriate Business Commercial Property coverage your business needs.


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Racine Office 1300 S. Green Bay Road Racine, WI 53406. Phone: (262) 636-1860, Fax : (262) 636-1866, Email:

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