Commercial Property Insurance

What Is Commercial Property Insurance?

Commercial Property Insurance helps protect the building your business owns or leases as well as your business personal property, including tools and equipment, inventory, and furniture. A commercial property insurance policy includes coverage for assets like accounts receivable, computers and lost income for when business operations are suspended due to a covered loss. Businesses can tailor their coverage to include additional protection like valuable papers and records coverage that can help pay to reproduce important documents, provide temporary storage and move records to avoid a loss.

What You Need to Know About Commercial Property Insurance

Commercial property insurance from The Hartford provides broad protection designed to help get businesses back up and running if a fire, theft or other covered disaster strikes. Plus, our flexible options mean you can tailor a property insurance policy to help address the unique risks facing your business, and adjust coverage as your business needs change.

Making a Commercial Property Insurance Claim

If your business experiences a covered loss, call to make a claim. The Hartford has claims specialists located all over the U.S. who are authorized to settle business related claims. With specific training in catastrophes that affect businesses, like hurricanes, blizzards, severe hailstorms, and more, they are committed to expediting your claim courteously, compassionately and professionally.

Learn How to Reduce Your Risk Exposure

Learn how to reduce your risk exposure. The Hartford’s Risk Engineering team provides loss control services designed to help certain businesses anticipate risks, avoid accidents, and prevent potential loss incidents. The team can perform risk exposure evaluations, consultations, and offer recommendations for ways to improve workplace safety and security.

Commercial Property Insurance for Your Business

The Hartford offers a wide selection of optional commercial property insurance coverages; many are combined into cost-effective endorsements that can be added to a policy to provide broad coverage and exceptional value.
The Hartford provides broad commercial property insurance protection for large public entities designed to address the wide range of exposures they face​.

Learn More About Large Property Insurance
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.