Small Business Property Insurance

Protect your business assets

Safeguard with property insurance

Small business property insurance helps protect your owned or rented building, plus the inventory and equipment you use to operate your business. Depending on your policy, it can help cover business property losses in the event of fire, theft and other disasters.

Get flexible coverage

Our experienced team can help create an insurance plan that meets your coverage and budget needs, whether you own or lease.

Manage total risk

We'll provide internal loss control resources and claims advocacy to help you mitigate and manage small business risks.

Partner with the right insurers

For over a century, we've built strong relationships with our customers to meet their needs and align them with the appropriate insurer partnerships.

Get started with business property insurance

Business Property Insurance Coverage Highlights
Protect your business with a plan based on your needs

Protect your building

Safeguard physical investments like your building and inventory from loss, theft or damage with small business property insurance.

Cover assets

Whether or not you own the building where you do business, you can get business property insurance coverage for fixtures, furniture, office equipment and other supplies that help run your business.

Keep documents secure

Help cover losses such as valuable documents and signs in the event of theft or other types of small business property damage.

Small Business Property Insurance FAQ
People often ask us

Small business property insurance protects the building in which you conduct business and covers losses of furniture, inventory and revenue.

Depending on the scope of the policy, small business property insurance can protect an owned or rented commercial property—as well as physical assets such as inventory, supplies and furniture—from damage, fire, vandalism and theft.

Business property insurance cost varies based on factors like location, industry and the types of coverage needed.

Yes. The IRS usually considers a small business's property insurance premium as a deductible business expense. The cost of the insurance policy can be deducted from the business owner's taxable income.

Although property insurance isn't always legally mandated for small businesses, it's recommended because it can safeguard against potential financial losses caused by property damage and business interruptions.

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Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

Insurance products offered in California are offered by First Citizens Investor Services, Inc., d.b.a. FCIS Insurance Solutions, Agency #6001908.

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