Commercial Property Insurance in Tampa, FL
Your business relies on more than just people; it also depends on the physical space, tools, inventory and equipment that keep operations running. Commercial property insurance can help cover these assets when they’re damaged by fire, theft, storms or other covered events.
At Clearwater Partners, we help businesses throughout Tampa explore commercial property coverage that aligns with their needs and location-based risks.
What Is Commercial Property Insurance? 
Commercial property insurance is a policy designed to assist with repair or replacement costs when business-owned physical assets are damaged or destroyed. It applies whether you own your building or lease a space, and it can be tailored based on the type of property you use and the work you do.
What Does a Standard Policy Typically Cover?
Coverage will depend on your specific policy, but many standard commercial property insurance plans include:
- Building coverage for the structure itself
- Business personal property, such as furniture, inventory, tools and office equipment
- Outdoor features, such as signage or fencing, if included in your policy
- Fixtures and installed systems, including HVAC, electrical or plumbing
Whether damage occurs from a fire, a storm or vandalism, commercial property insurance may help reduce the financial burden so your business can focus on recovery.
Commercial property insurance does not include coverage for flood damage. Many Florida businesses need flood insurance to help cover property damage from rising water. Your agent can help you add this crucial coverage to your business insurance plan.
Who Needs This Coverage?
This policy is relevant for a wide range of industries, such as retail stores, restaurants, professional offices, contractors and more. If your business owns or relies on physical assets, commercial property coverage is essential.
Explore Coverage for Your Business
Clearwater Partners helps business owners in Tampa understand their risks and customize policies to fit their properties. Contact us today to request a commercial property insurance quote or to review your existing coverage.