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Commercial Property Insurance

Serving the unique needs of businesses in all of California

One of the most common types of business insurance, commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or man made disasters are examples of what is typically covered.

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, H2 Insurance Services can help you determine the type of insurance policy and range of coverage that is best for your business. For a full list of coverage available, or to learn more about this product, contact us today.

What you need to know about commercial property insurance


Building
Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building. Give H2 Insurance Services a call today at 909.985.5100  and we’ll help you determine if you have enough commercial property insurance for your business.

Flood
Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just ask H2 Insurance Services to review your coverage, and we’ll help you find the best solution.

Business Personal Property
Business personal property insurance covers property at a specified location for furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).

Business Income (Business Interruption Coverage)

This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event, such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. H2 Insurance Services strongly recommends that all businesses acquire this coverage.

Electronic Data Processing (EDP)
This coverage is separate property coverage specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks.

Based in California, H2 Insurance Services understands the business insurance needs of our customers. The right coverage for you is unique – call us at 909.985.5100 or email us today to find out how to protect your business and your future with the right insurance.


Contact Us
(800) 628-2882
office@h2ins.com

H2 is Licensed to Sell Insurance in:
Arizona: 870501 - California: 0C66703 -  Colorado: 498894 ​ - Iowa: 1002190733 - Idaho:  600881
- Indiana: 3300087 - Michigan: 0129308 - North Carolina: 1000064684 - 
Nevada: 18521
- 
Oregon: 100167929 - Utah: 253895 - Virginia: 149213 - Washington: 717202

Serving You From Multiple State Offices

​California

150 E Meda Ave, Suite 200
Glendora, CA 91741

Idaho
53 N Plummer
Star, ID 83669

  • Home
  • Personal
    • Vehicle Insurance
    • Property >
      • Homeowners Insurance
      • How Much Home Insurance is Enough?
  • Commercial
    • Risk Management
    • Business Owners Policy
    • Commercial Property Insurance
    • Commercial Umbrella Insurance
    • General Liability Insurance
    • Commercial Auto Insurance for California
    • Workers’ Compensation
    • Surety Bonds
    • Specialty Insurance
  • Group
    • Employee Benefits Division
  • Life
  • About
  • Contact
  • Service
    • Forms
    • Health Quote
    • Commercial Quote
    • Make a Claim
    • Blog