Does it cover lost income after a fire?

Yes — business-interruption coverage replaces income and helps with ongoing expenses while you recover. We'll size it to your operation.

I lease my space — do I still need property insurance?

Yes — your landlord insures the building shell, but your contents, equipment, and improvements are yours to insure.

Is inventory covered at cost or retail value?

It depends on the policy. We'll set the right valuation so a loss is fully covered.

Commercial Property Insurance

Protect the physical heart of your business — your building, equipment, and stock.

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Commercial property insurance protects the physical assets your business depends on: your building, equipment, inventory, and improvements. It also covers the income you'd lose if a fire, storm, or other covered event forced you to close.

We tailor property coverage to your premises and industry, whether you own or lease.

What's covered

Buildings and tenant improvements
Equipment, machinery, and inventory
Business interruption and lost income
Contents and stock at replacement cost
Optional flood, earthquake, and equipment-breakdown add-ons

Good to know

Frequently asked questions

Does it cover lost income after a fire?: Yes — business-interruption coverage replaces income and helps with ongoing expenses while you recover. We'll size it to your operation.
I lease my space — do I still need property insurance?: Yes — your landlord insures the building shell, but your contents, equipment, and improvements are yours to insure.
Is inventory covered at cost or retail value?: It depends on the policy. We'll set the right valuation so a loss is fully covered.

Insurer partners

Insurers we compare for commercial property insurance

We shop these partners to find the right coverage and price for you.

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A fast, no-obligation quote from Canada's commercial insurance specialists. Real advice, the whole market compared, and someone who picks up the phone.

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