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Commercial Property Insurance

What is Commercial Property Insurance?

Commercial property insurance protects your business assets—including buildings, equipment, and inventory—from unexpected losses. It provides financial security against risks like fire, theft, vandalism, and natural disasters. This coverage helps your business recover quickly by covering repair or replacement costs, so you can keep operations running without major setbacks.

What Does Commercial Property Insurance Cover?

A Texas commercial property insurance policy typically includes:

  • Buildings and Structures – Offices, warehouses, storefronts.
  • Equipment & Machinery – Computers, tools, production equipment.
  • Inventory & Furniture – Products, supplies, desks, fixtures.
  • Outdoor Property – Signs, fences, landscaping.

Your business deserves protection, don’t leave it to chance.

Why Commercial Property Insurance Matters in Texas

Texas businesses face unique risks—from hurricanes and hailstorms to theft and vandalism. Whether you own a retail store in Dallas, a warehouse in Houston, or an office in Austin, commercial property insurance ensures your business can recover quickly from unexpected events without costly interruptions.

Local Expertise You Can Trust

At MCN Multiservices, we serve businesses across Texas. Our agents understand local risks and commercial insurance requirements for different industries. We’ll help you find the right policy for your location, operations, and budget.

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What Makes Our Commercial Property Insurance Different?

Texas-Specific Expertise

We know the local risks and regulations that affect your business.

Tailored Coverage Options

Protection for buildings, inventory, signage, and equipment.

Affordable Premiums

Coverage starting around $750/year.

Bilingual Service

Hablamos español, serving Texas’s diverse communities with clarity and care.

Commercial Property Insurance Tips for Texas Owners

  • Bundle Policies – Combine property, liability, and business interruption coverage for discounts.
  • Review Annually – Update coverage as your business grows or expands.
  • Add Flood Insurance – Especially important in flood-prone areas of Texas.
  • Document Assets – Keep an updated inventory list to simplify claims.

Ready to Protect Your Business?

Contact MCN Multiservices today for a free commercial property insurance quote in Texas. Our licensed agents will help you compare policies, understand coverage options, and get insured fast—so you can safeguard your business assets and keep operations running smoothly.

Frequently Asked Questions

What is not covered by commercial property insurance?

Standard commercial property insurance does not cover flood or earthquake damage, which require separate flood insurance for businesses. Employee injuries are covered by workers’ compensation, and cyberattacks are handled under cyber liability insurance. Intentional damage or neglect is also excluded, making it important to understand commercial property insurance exclusions and what’s not covered.

Commercial property insurance cost in Texas varies depending on property location and size, business type and industry risks, building age, and construction type, as well as coverage limits and deductibles. Typical business insurance rates range from $750 to $2,500 annually, though premiums can vary widely. Choosing affordable commercial insurance ensures your property and business are properly protected.

While not legally required in Texas, commercial property insurance is often mandatory by landlords or lenders. It’s essential for protecting your investment and meeting lease or loan obligations, making commercial property insurance requirements in Texas an important consideration for any business.

Yes! Many insurers offer Business Owner’s Policies (BOPs) that bundle commercial property insurance with general liability and business interruption coverage. Bundling through a BOP insurance package in Texas can provide discounts and simplify your commercial insurance management.

Commercial property insurance covers damage from fire, windstorms, and hail. Floods and earthquakes are generally excluded and require separate policies, so Texas businesses in flood-prone areas should consider flood insurance. This ensures your business has complete natural disaster insurance coverage.

To file a claim, contact your insurance provider immediately, document damage with photos and inventory lists, submit repair estimates and proof of loss, and cooperate with the claims adjuster during the inspection. Following this commercial property insurance claim process helps ensure your business insurance claim is handled efficiently.

Commercial property insurance protects your physical assets, while general liability insurance protects your business against third-party injury or property damage claims. Both types of commercial insurance are essential for comprehensive business protection and a full understanding of business insurance comparison.

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We’re here to help with any questions or needs. Connect with our team for personalized assistance and expert guidance on the coverage that fits you best.