Coverage
Commercial Property Insurance
The building, the inventory, the income it produces.
Commercial property insurance protects buildings, inventory, equipment, and business income from fire, wind, theft, and other covered losses — written for owner-occupied buildings, landlords, and tenants alike.
What it covers
What's in the policy.
- Building structure
- Business personal property / inventory
- Business income (loss of rents / earnings)
- Ordinance or law
- Equipment breakdown
Why Allied
How we write it.
- Building and business personal property
- Business income and extra expense
- Wind, hail, and named-storm options
- Equipment breakdown
- Replacement cost or ACV valuation
FAQ
Common questions.
Replacement cost or actual cash value?
Replacement cost pays to rebuild without depreciation and is almost always worth the extra premium. We default to RC and only recommend ACV when it fits the deal.
Is wind and hail included?
Along the coast it's usually written separately through TWIA or a wind-only carrier. Inland, it's typically included — we'll confirm before binding.
Local coverage
Commercial Property insurance across Texas.
We write commercial property coverage in every city we serve. Pick your metro for a local page with more detail on how we place it there.
Get a real quote
Ready for a quote?
Tell us about your risk. We'll come back with real numbers from carriers who actually write your business.