Commercial P&C

Commercial Property Insurance

Whether you own the building or rent it, your business property, including equipment, inventory, and improvements, represents real financial risk. In Texas, that risk comes with specific coverage considerations most business owners don't know about until it's too late.

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What It Covers

Protecting your building and business personal property in Texas

Commercial property insurance covers the physical assets of your business: the building (if you own it), your equipment, furniture, inventory, and the property of others in your care.

Building vs. Business Personal Property (BPP)

These are two distinct coverage categories:

Building CoverageCovers the structure itself, for building owners. Tenants do not need this unless they've made permanent improvements to the space.
Business Personal PropertyCovers your equipment, tools, inventory, and furnishings, whether you own the building or not. Tenants need this even if the building owner has property coverage.
Tenant ImprovementsBuild-outs and improvements you made to leased space. Insure these separately; the building owner's policy typically won't cover them.
Property of OthersCustomer property in your care, custody, or control. Important for repair businesses, storage facilities, and service providers.

Texas-Specific: Wind, Hail, and Flood

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Wind/hail deductibles are standard in Texas commercial policies.

Unlike a standard flat-dollar deductible, wind/hail deductibles in Texas are often a percentage of your insured value, commonly 1–5%. On a $500,000 building, a 2% wind/hail deductible means you'd owe $10,000 out of pocket before insurance kicks in for a wind/hail claim. Know your number.

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Flood is always a separate policy. No exceptions.

Whether through the National Flood Insurance Program (NFIP) or private market flood carriers, flood is never included in a standard commercial property policy or BOP. If your business is in a flood-prone area, this is a separate conversation. TWIA and NFIP rules are subject to change. Verify current eligibility and program requirements with a licensed advisor.

Key questions to ask

  • Is my property insured at current replacement cost?
  • What is my wind/hail deductible in dollar terms?
  • Am I on Special Form (open perils) or a named-peril form?
  • Do I have flood coverage if I need it?
  • Does my business income coverage match actual revenue?

Get a property review

We'll review your current coverage, check your insured values, and identify any gaps before a claim reveals them.

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Don't wait for a hailstorm to discover a coverage gap

Texas weather is unpredictable. Your commercial property coverage shouldn't be. Let us review your current program.

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Coverage descriptions on this page are general in nature and for educational purposes only. Actual policy language governs all claims. TWIA and NFIP rules are subject to change. Verify current program eligibility and requirements. All coverages are subject to policy terms and conditions.