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Commercial Property Insurance

Protect your property. Protect your people.

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Spotlight on: Commercial Property Insurance

Also known as commercial property insurance, business property insurance is designed to protect the property and facilities owned or leased by a business. This coverage can also cover the equipment, tools, inventory and office furniture stored inside buildings or on the property itself.

In some cases, business property insurance can even be written in a way that helps cover risks to important documents and records. This protection can help a business with the cost of temporarily storing, reproducing or moving documents in the aftermath of a covered loss.

Why Higginbotham? Because our customers are our foundation.

That’s why we take your business property insurance so seriously.

The seasoned insurance specialists at Higginbotham take the time to get to know your business by name, need and nuance. That’s why we cultivate deep industry relationships that empower us to get things done that others can’t.

Employee owned and customer inspired, we make caring for your business our business.

Because while commercial property insurance is our something, our customers are our everything.

To learn more about how our values-based approach creates value for you and your business, click here.

Or visit our Insights page to learn more about essential commercial property insurance coverages.

Our seasoned business insurance specialists specialize in designing coverage around your unique needs.

You deserve an insurance partner that works as hard as you do.

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During the time we’ve partnered with Higginbotham, they’ve been very good about adjusting to us and our needs and making us aware of any kind of insurance we might need.  They are proactive and we don’t have to ask.

Buddy P.
President of Operations and Finance, Office Systems Industry

What does business property insurance cover?

It depends. At Higginbotham, we take pride in custom-tailoring each customer’s coverage to the unique needs or their specific business. Depending on your risk exposure, the coverages we recommend for your business could vary drastically from what we would recommend for another.


Business property insurance can help protect you from risks including, but not limited to:



Burst Pipes


Wind damage

In most cases, commercial property insurance can help protect your:

Owned or Rented Office Space

Owned or Rented Buildings

Supplies and Inventory

Equipment and Tools

Office Furniture

Physical Land

We can answer your commercial property insurance questions.

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Does commercial property insurance cover flood damage?

While coverage against flood or earthquake damage is typically not included in a standard business property insurance policy, there is usually a way to add it as part of any property policy.

Can commercial property insurance cover third party property?

At Higginbotham, we realize certain businesses require the use of expensive equipment that doesn’t always make sense to buy yourself.

Whether you’re a general contractor renting a $250,000 crane or an IT firm storing an outside consultant’s laptop on your property, Higginbotham has you covered.

Does my business need commercial property insurance?

If you’re unsure commercial property insurance is the right call for your business, the following guidelines can help you assess your needs. If your business does any of the following, you should seriously consider commercial property insurance:

  • Owns Property
  • Works With or Stores Important Documents
  • Owns or Leases an Office, Building, Shop, or Storage Space
  • Owns or Leases Valuable Tools and Equipment (Including Computers)

At Higginbotham, before placing coverage, we take the time to understand and appreciate your business’ unique risks and needs. While commercial property insurance may make sense for most businesses, we prefer to get to know your business by name, need and nuance before presenting coverage options.

Considering an uncovered loss of your office or shop could cause you the loss of your business as a whole, the peace of mind offered by commercial property insurance is often well worth the cost.

That said, we cannot stress the importance of making these decisions with the help of a professional.

Risk Management Services

At Higginbotham, we take a consultative approach to customer service and risk management.

Whether you have a single policy, a commercial package or many insurance policies covering multiple locations and risks, we take the time to understand your unique needs so we deliver the best coverage at the best price available.

But we don’t stop there.

Our work continues 365 days a year. We have a Day Two Services® team that works in tandem with our risk management specialists to deliver year-round value.

From help with compliance to safety audits and claims advocacy, our Day Two Services® team helps you mitigate risks, avoid costly claims and better position your operations so you can focus on what matters most: growing your business.

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Not sure where to start? Talk to someone who wants to listen.

Grounded in your priorities and elevated in your opportunities, the business insurance specialists at Higginbotham are here to answer your questions.

Talk to a Commercial Property Specialist

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