Commercial Property Insurance in Delaware & Maryland

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Protect the Place Where Your Business Happens

Coverage for Buildings, Inventory & Equipment

Whether you own a storefront in Dover, lease an office in Easton, or run a small shop near the shore, your business property needs protection from fire, theft, storms, and more. Commercial property insurance covers the buildings you own—and the things inside them—from damage or loss. It’s not just for large operations either. Even a one-room studio or food truck carries risks if something unexpected happens. We work with businesses across Delaware and Maryland to create property policies that are grounded in the way they actually use their space and equipment.

What Does Commercial Property Insurance Include?

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Building Coverage

Covers the physical structure of your business property—whether you own it or are required to insure it by lease.

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Business Personal Property (BPP)

Protects what’s inside your building: inventory, tools, office equipment, furniture, computers, and more.

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Outdoor Signs & Fixtures

Includes signs, fencing, satellite dishes, and other fixtures not attached to the main building, if selected.

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Loss of Income or Business Interruption

Helps replace lost income and pay ongoing expenses if you’re forced to temporarily close due to a covered claim.

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Equipment Breakdown & Utility Services

Optional protection for electrical, HVAC, or refrigeration equipment failures that cause interruption or spoilage.

Does your business rely on physical space, tools, or inventory?

We’ll help you protect it with a clear, affordable commercial property policy.

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Coverage That Reflects How You Actually Operate

Every business space is different—and a one-size-fits-all policy can leave critical gaps. We help local business owners review their risks, estimate true replacement costs, and insure their property the smart way.

Benefits of having insurance with us:

  • Policies tailored to your location, lease, or ownership
  • Local insight into flood, storm, and coastal risks
  • Help calculating accurate replacement cost vs. market value
  • Quick turnarounds for COIs, certificates, and proof of coverage
  • Access to multiple carriers for flexible options and pricing
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What Property Owners & Tenants Need to Know

Commercial Property Insurance FAQs

  • Do I need commercial property insurance if I lease my space?

    Most likely. Many landlords require tenants to carry property coverage for what’s inside the space. Even if it’s not required, it’s still smart protection for your equipment and inventory.

  • What’s the difference between replacement cost and actual cash value?

    Replacement cost covers what it would take to replace an item today. Actual cash value subtracts depreciation. We’ll help you choose the right one based on your budget and risk.

  • Are natural disasters like floods and hurricanes covered?

    Standard commercial property policies often exclude flood and may have limitations on wind or storm surge. We can add separate flood or coastal coverage if your business needs it.

  • Can I insure just my inventory or equipment?

    Yes. If you don’t own the building, we can write a policy for your business personal property only. We’ll tailor it to match your operation and lease terms.