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Protect Your Business Property from the Unexpected

Commercial Property Insurance

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Keep Your Business Running, No Matter What

A fire, storm, or vandalism incident could disrupt your operations overnight. Commercial property insurance ensures you have the financial protection to rebuild, repair, or replace assets so your business stays operational.

At Ray Johnson Insurance Agency, we specialize in helping business owners secure tailored property coverage that safeguards their investments.

What Does Commercial Property Insurance Cover?

  • Buildings & Structures – Covers damages to your commercial property due to fire, storms, vandalism, and more.
  • Equipment & Inventory – Protection for tools, machinery, and stock essential to your business.
  • Business Interruption – Helps cover lost income if your business is forced to close temporarily.
  • Signage, Fencing & Landscaping – Coverage for outdoor elements damaged by covered perils.
  • Tenant Improvements – Protects alterations or renovations you’ve made to a leased space.

We’ll customize your policy to cover the risks specific to your business location and industry.

Common Property Insurance Exclusions

  • Flood & Earthquake Damage – Requires separate policies for protection.
  • Wear & Tear – Normal maintenance and gradual deterioration aren’t covered.
  • Theft by Employees – Consider Crime Insurance for employee dishonesty protection.

Understanding policy exclusions ensures you have full protection where it counts.

Who Needs Commercial Property Insurance?

Any business that owns, leases, or relies on physical assets should have coverage, including:

  • Office buildings and retail stores
  • Warehouses and manufacturing plants
  • Restaurants and hospitality businesses
  • Medical and dental offices
  • Contractors with equipment storage



If your business has physical assets, you need commercial property insurance.

Protect Your Business Assets Today

Get peace of mind knowing your business property is protected. Request a customized commercial property insurance quote today.

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