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Business Insurance

Commercial Property insurance

Protect your building, rented office space, or home office’s physical assets with Commercial Property insurance.

Find your local insurance agent
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Commercial Property insurance helps avoid the financial stress and uncertainty that can come with property damage.

Damage or theft of your business property can cause long-lasting negative financial consequences for your company and can even force you to close your business for good. The financial struggle can often be too much to endure alone.

Commercial Property insurance protects the physical assets of a business from losses caused by fire, natural disasters, theft, and vandalism for example.

SECURA’s Commercial Property insurance can help you cover the cost of repair and replacement of your property, getting your business back to 100% as quickly as possible. Making sure you have adequate value on your property is critical to ensure you have the full coverage needed in the event of a loss.

Features of Commercial Property insurance

Building coverage

This provides coverage for your business’s building, completed additions, and equipment or fixtures that are permanently attached to the structure.

Business Personal Property coverage

This provides coverage for your contents within the building, including furniture and unattached fixtures, machinery and equipment, stock, and other personal property owned by you and used in your business.

Business Income coverage

This provides coverage for lost net income and continuing normal operating expenses, in the event of a covered property loss.

SECURA works with many types of industries, providing property insurance solutions for businesses of all sizes.

Don’t see your industry listed? Have a conversation with your local agent to learn more about how SECURA Insurance is right for your business.

Policyholder benefits that work

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Risk management services

Our policyholders have unlimited access to a wealth of safety talks, safety programs, on-demand videos, and other loss prevention resources. Our risk management team provides on-site consultations to help identify safety improvements and provide customized loss prevention guidance.
January 31, 2023 03:56 AM
Learn about risk management
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Exceptional claims experience

Our dedicated claims team is empathetic and strives to listen and answer any questions to ensure a full understanding of our process. When you notify us of a loss, we’ll call you within 24 hours, follow up regularly, and work with you until your claim is resolved.
February 10, 2023 06:08 AM
Start a claim
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About SECURA

Independent local agents

SECURA works with licensed independent agents in your community who help you find the right insurance solutions for your company. As your company grows, our independent agent partners can help you understand how your company’s insurance needs may change.
February 23, 2023 09:49 AM
Why independent agents?

Common questions about Commercial Property insurance

What does Commercial Property insurance cover?

Commercial Property insurance can help protect your business’s building and the property related to your business from a wide range of losses, including but not limited to, natural disasters, fire, or theft. It’s highly recommended to discuss your specific business needs with your insurance agent to ensure you have the proper coverage.

Do I need Commercial Property insurance?

While Commercial Property insurance isn’t required by law, it may be required as part of a contract, such as a loan or a lease. It is strongly recommended that owners, renters, or lessees of commercial property get Commercial Property insurance. Without it, you would be solely responsible for paying for repairs or replacement of your business property.

Helpful articles

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Safety articles

5 ways to discourage thieves

Is your business or commercial property safe from theft? Follow these five steps to protect your assets.
July 26, 2021 08:00 AM
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Safety articles

Prevent roof collapses due to accumulated snow

Flat and low-slope roofs are far more susceptible to damage because snow can’t easily slide off. This makes commercial properties especially prone to collapse.
January 03, 2024 02:34 PM
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SECURA Blog

Understanding underground service line coverage: Don’t ignore this hidden risk

Underground service lines can be damaged in several ways. Typical farm policies may not provide coverage for damage that happens, and the effects can be incredibly costly.
January 23, 2024 03:27 PM
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Map of the United States highlighting all the states SECURA insures.

Why SECURA?

Since 1900, we’ve been known for our genuine people and exceptional service. By working with an experienced insurance provider who understands the risks and needs of your businesses, you can ensure you have the right coverage to protect your investment and keep your business running smoothly. In partnership with our independent agents, we can provide a custom insurance policy perfect for your unique needs.

SECURA operates in 13 states with a variety of business insurance solutions, and we are proud to support the communities that have welcomed us for more than a century.
Find an agent near you

Coverages may not be available in all states. Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by SECURA Insurance Company or SECURA Supreme Insurance Company, affiliated companies referred to collectively as SECURA Insurance Companies. Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

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