Commercial Property

Protect your building, inventory & equipment with a policy that actually fits your business.

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Coverage for What You’ve Built

We Help Kansas Businesses Protect What Matters Most

Your physical space is more than just four walls—it’s where you work, store, ship, and serve. Commercial property insurance helps protect that space and everything inside it from fire, theft, storms & more. Whether you own your building or lease it, we’ll help you build a policy that reflects your business’s real needs—without the runaround.

What Does Commercial Property Insurance Include?

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Buildings & Structures

Coverage for owned buildings, additions, signage & outdoor fixtures.

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Inventory & Equipment

Protects tools, stock, computers, and machinery—whether leased or owned.

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Business Contents & Improvements

Includes furniture, supplies, and any upgrades you’ve made as a tenant.

Frequently Asked Questions

  • Do I need commercial property insurance if I lease?

    Yes. Even if you don’t own the building, you’re responsible for what’s inside—and your lease may require it.

  • What types of events are covered?

    Most policies cover fire, theft, wind, vandalism & certain types of water damage. Flood & earthquake are typically separate.

  • Can I add business interruption coverage?

    Yes—and it’s smart to. That helps cover lost income if a disaster forces you to close temporarily.

  • Does this cover mobile equipment or vehicles?

    No—those are covered under separate policies. But we’ll help make sure everything’s included where it should be.

  • Is replacement cost or actual cash value better?

    It depends on your goals and budget. We’ll explain both and help you choose what fits best.

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One Policy to Protect Years of Hard Work

From storefronts to back offices, your property is critical to your business. We’ll help you build a policy that keeps you moving forward, even when the unexpected hits.