Commercial Property Insurance That Covers What You've Invested In
Fire, theft, vandalism, severe weather. Any of these could destroy your business location and everything in it overnight. Commercial property insurance ensures you can rebuild and recover. Stanley Insurance Group helps Ohio businesses find comprehensive coverage from leading carriers.
Secure the Assets That Keep Your Business Running
Your building, equipment, inventory, and furnishings represent years of investment. One disaster shouldn't mean starting over from scratch. As an independent agency, we help business owners like you find commercial property insurance that covers your physical assets against fire, storms, theft, vandalism, and more. Take 5 minutes to get your free quote and ensure your business property is fully protected.
What Commercial Property Insurance Generally Covers
Commercial property insurance protects the physical assets that make your business possible. Coverage includes your building structure if you own your location, business equipment like computers, machinery, and tools, inventory and stock, furniture and fixtures, and outdoor signs and fencing. Most policies also cover business income loss if property damage forces you to close temporarily, plus the cost of temporary relocation while repairs are made. Our experienced agents help you accurately value your property to avoid being underinsured while ensuring you don't pay for coverage you don't need.
We Offer Additional Coverage Options
While commercial property insurance covers most perils, certain exposures require specialized protection. That's why we offer additional plans, including flood insurance for water damage, equipment breakdown coverage for mechanical failures, cyber liability for digital assets, and business income insurance with extended periods of restoration for longer closures.
Additional Insurance Options
- Equipment Breakdown
- Flood Insurance
- Business Income
- General Liability
- Business Owners Policy
- Commercial Auto
- Commercial Umbrella
Start Saving in Minutes
With 4 Easy Steps to Better Coverage & Savings
Share Your Business Insurance Needs
Tell us about your business - it takes just 5 minutes online or by phone.
Review Your Insurance Options
We'll compare rates from top-rated carriers to find your best protection and savings.
Choose Coverage & Save
Select your preferred coverage and start protecting your business today.
Enjoy Peace of Mind
Knowing your unit and belongings are fully covered.
Why Ohio Businesses Choose Stanley Insurance Group
Join hundreds of satisfied business clients who trust us for comprehensive property protection at competitive rates. Our Google rating and A+ BBB score reflect our commitment to protecting Ohio businesses.
We Maximize Your Commercial Property Coverage
Most Ohio business owners don't realize they can reduce property insurance costs while improving protection.
You can help you SAVE up to:
- 25% with sprinkler systems
- 20% by bundling with liability coverage
- 15% with security systems and alarms
- 10% for newer buildings or recent updates
Let our team find every discount you qualify for or check out our blog for more ways to protect your business.
Get Answers About Commercial Property Insurance
Expert answers to help you understand your coverage options and protect your business assets
Commercial property insurance covers your building, equipment, inventory, furniture, and outdoor property against fire, theft, vandalism, wind, hail, and other covered perils. It also typically includes business income coverage if damage forces you to close temporarily. However, standard policies exclude floods and earthquakes, which require separate coverage.
You need enough coverage to replace your building and contents at today's construction and equipment costs, not just the purchase price or depreciated value. Many business owners underinsure by 20-40%, which can result in partial claim payments. We'll help you calculate accurate replacement cost coverage for your specific property.
Replacement cost pays to rebuild or replace damaged property with new items of similar quality. Actual cash value pays replacement cost minus depreciation, leaving you to cover the gap. Most businesses choose replacement cost coverage to ensure they can fully recover after a loss without out-of-pocket expenses.
Yes. Even if you rent your space, you need commercial property insurance to cover your business equipment, inventory, furniture, and improvements you've made to the space. Your landlord's insurance only covers the building structure, not your business assets inside.
Standard policies exclude flood damage, earthquake damage, certain types of water damage, employee theft, mechanical breakdown of equipment, and damage from lack of maintenance. We can add endorsements or separate policies to fill these gaps based on your specific risks and location.
Our Carrier Partners
Talk to Our Agents About Protecting Your Business Assets Today
Take 5 minutes to see how much you could save. Our team is ready to find you comprehensive property coverage at a competitive rate. Don't wait - protect what you've built.
