Commercial Property Insurance
Commercial property covers the physical assets that run your operation — the building, production machinery, raw materials, work-in-process, finished goods, and tools — against fire, water damage, theft, vandalism, and other covered perils.
Commercial Property Insurance for Manufacturers
Your facility holds enormous value: the building or your tenant build-out, production equipment, raw material, work-in-process, and finished inventory ready to ship. Commercial property insurance protects all of it against direct physical loss from fire, water, theft, vandalism, windstorm, and more.
What's Covered
- Building: Your structure if you own it, or your tenant improvements if you lease
- Production machinery & equipment: Presses, CNC machines, ovens, mixers, packaging lines
- Raw materials & supplies: The inputs waiting to be turned into product
- Work-in-process & finished goods: Inventory at every stage, valued correctly
- Tools, dies, molds & patterns: Often high-value and slow to replace
- Computers, controls & office contents: The systems that run the floor
Business Interruption — The Coverage That Saves Companies
A fire or equipment loss doesn't just destroy property — it stops production and revenue. Business income (interruption) coverage replaces lost net income and pays continuing expenses like payroll, rent, and loan payments while you rebuild. For a manufacturer, this is frequently the most valuable part of the property policy, and we help you set a recovery period that's realistic for your equipment lead times.
Valuing It Correctly
Underinsured property is the most common — and most painful — gap we fix. Replacement-cost machinery, agreed-value coverage on hard-to-replace tooling, and inventory limits that flex with your production cycle all matter. We build the property schedule around how your plant actually runs.
What's Covered
Frequently Asked Questions
Does commercial property cover my inventory and raw materials?
Yes. A properly written manufacturer's property policy covers raw materials, work-in-process, and finished goods, along with your building, machinery, and tooling. Because inventory values move with your production cycle, we set limits — and peak-season options — that match how your plant actually operates.
What is business interruption coverage and do I need it?
Business interruption (business income) replaces lost net income and pays ongoing expenses if a covered loss forces you to halt production. For manufacturers, where machinery lead times can stretch for months, it's often the most important coverage on the policy.