Property insurance
Commercial property insurance covers the building, tenant improvements, furniture, equipment, and inventory after covered physical losses such as fire, theft, or vandalism. It is the property side of a business program. It is not builders risk for a project under construction, and it is not general liability for someone else’s injury.
Request a quote
A licensed agent reviews your request. Certificates are issued after a policy is bound.
What commercial property typically covers
Kavana Insurance Inc. helps California and Texas businesses decide whether property belongs on a standalone form or an eligible Business Owners Policy.
Buildings
The structure you own, or the tenant improvements you are responsible for, after covered fire, vandalism, or weather — subject to the form and any ordinance-or-law terms.
Business personal property
Furniture, tools, electronics, and equipment used in the operation. Inland marine may still be the better fit for tools that leave the premises.
Inventory
Stock that is lost, damaged, or stolen in a covered cause of loss. High-value or spoilage-prone inventory often needs a specific conversation.
Equipment breakdown
Machinery and equipment failure is often an endorsement or a related form, not an automatic part of every property policy. Ask before you assume it is included.
Business income, and the construction exception
Business interruption / business income can reimburse lost income and continuing expenses after a covered property loss — if it is purchased.
A building under construction or gut renovation usually needs builders risk, not (or not only) a standard commercial property form.
Share location, construction, occupancy, values, and any lender or lease requirements. Property is often required by a landlord or lender even when the statute does not require it.
GENERAL GUIDANCE ONLY. THE POLICY FORM, ENDORSEMENTS, AND CARRIER DECIDE WHAT IS COVERED ON YOUR ACCOUNT.
Other lines this job usually needs
Three steps, no instant-bind theater
Tell us the job
Operations, payroll, vehicles, contracts, or project value — whatever applies.
Review the structure
Limits, deductibles, exclusions, and what sits outside the policy.
Bind and issue
Choose coverage. Get policy documents and COIs once the carrier binds.