Commercial Property Insurance

Your commercial property is more than just a building: it's the foundation of your livelihood. Whether you own an office, retail storefront, warehouse, or mixed-use property, commercial property insurance protects the physical assets your business depends on. At B & B Insurance Agency, we understand the unique risks South Florida business owners face, from hurricane damage and flooding to theft and vandalism. We compare coverage options and pricing from multiple carriers to find the right fit for your property.

Commercial property insurance typically covers: Building Coverage: Protects the structure itself, including walls, roof, flooring, and permanently installed fixtures. If a hurricane damages your roof or a fire destroys part of your building, this coverage pays for repairs or rebuilding. Business Personal Property: Covers equipment, furniture, inventory, computers, and other items you own that are used in your business. This is critical for restaurants, retail shops, and offices. Business Income / Loss of Income: If a covered event forces you to close temporarily, this coverage replaces lost income and helps pay ongoing expenses like rent and payroll while you recover. Tenant Improvements: If you lease your space and have made improvements (build-outs, custom fixtures), this covers the cost to restore those improvements after a covered loss.