Commercial Property

For Strata, Private, Hard to Place , Multi-Tenant or Single Use Industrial, we insure buildings of all shapes and sizes.
Custom Coverage
Every policy is customized to match your profile
Best Price
We get you the best deal from our exclusive capacity providers
Flexible Payments
We make it easy to make monthly payments to help your budget

What is Commercial Property Insurance good for?

You can insure a broad variety of business property, including:

  • Equipment
  • Inventory and supplies
  • Office furniture and fixtures
  • Computers and electronics
  • The personal property of employees while on-site
  • Customer property at your business site
  • Lighting systems
  • Windows
  • Outdoor signs
  • Fencing and landscaping
  • Tools and equipment in transit or used off-site for business purposes

Who is Commercial Property Insurance for?

Commercial building insurance covers the repair, damage and replacement of should a covered incident like fire, theft or vandalism occur to your commercial building. This policy is specially designed to protect landlords from acts of God or their tenants.

Why would I need Commercial Property Insurance?

There are a lot of different businesses which require commercial property insurance. Anyone with a building premises or tools products or items relating to their work. Here are a few examples:

Mixed use Retail & Residential

This includes mini-malls, shopping centers or street level buildings.


Lumber mills, manufacturing , distribution warehouses, fabrication plants

Condos and townhomes

Strata owned buildings are our specialty. We have a wide variety of carriers and can custom tailor a policy that will save thousands.

Essentially if your business operates in any owned or leased buildings‚Äö it can be protected by commercial property insurance.

What does Commercial Property Insurance cover?

You can do all the preparation in the world to help safeguard your building from threats it could face but in the end it isn't up to us. When natural disasters happen they can wreak serious havoc on your income and rack up some serious costs. Fires, extreme winter storms, cold snaps, theft and vandalism, flooding and hail are all examples of potentially insured perils which could affect your commercial property. Luckily commercial property insurance is here to help. Remember to check in with your Kovr agent to see just what your commercial property insurance policy will cover.

What's covered by a commercial property insurance policy will vary depending on your business and your insurance company. However all will offer a certain amount of coverage for your business property including:

  • Your premise structure
  • Furniture
  • Equipment
  • Computers and electronics
  • Fixtures and lighting
  • Signage
  • Landscaping
  • Inventory
  • Tools
  • Office supplies

Insured perils often include:

  • Fire
  • Theft
  • Vandalism
  • Storms including damage done by wind and hail
  • Water damage from burst pipes
  • Earthquakes **
  • Sewer back up **
  • Overland water (flood insurance) **

** These require endorsements (add-on coverage) and may not be available for all businesses.

What does Commercial Property Insurance not cover?

Not every scenario will be covered or may need a special add-on or separate policy. Commonly excluded perils include:

  • War or terrorism
  • Government seizure or destruction
  • Seepage
  • Wear and tear
  • Rust corrosion fungus decay deterioration settling and other time- or maintenance-related causes of damage
  • Damage caused by rodents insects or animals
  • Pollution

Why buy your Commercial Property insurance from InsureCert?


We’ve made it easier than ever before to complete the purchase and get coverage. How easy? In just simple clicks you can have your policy!


We know the cost of insurance is a big factor for many, and that's why we keep our rates low and affordable for all. We work harder to earn your business.


At Kovr, our specialists are not only committed to give you the best experience digitally, but we are also available 24/7 to help with any concerns!


Getting a policy that does not properly protect you can cause a significant financial loss, it is our job to make sure we serve you the right product based on your need.

What does Commercial Property cost?

Typically, insurance premiums for commercial properties are set by multiplying the value of the building and its contents by a value that correlates to level of risk. Most of the time, properties with high risk have higher property insurance rates, while lower risk properties cost less to insure.


Suggested coverages for Commercial Property Insurance?

If you have any questions regarding commercial property insurance be sure to our expert advisors will be able to help answer your queries and provide you helpful advice for your insurance needs.

What's next?

The best place to start is speak with a licensed professional broker. InsureCert will connect you with a fully licensed broker that understands your business and will work with you to protect what's yours.

Ready To Save?

Call 1-800-557-3347