Your building, equipment, furniture and inventory are often the largest assets a business owns. Commercial property insurance may help pay to repair or replace them after a covered loss such as fire, wind or theft. Dupuy Insurance places commercial property coverage for Florida businesses through specialty markets that write these risks.
Businesses we place
- Offices and professional buildings
- Retail stores, grocery and convenience stores
- Restaurants
- Landlords who lease commercial space to tenants (lessor’s risk)
- Larger or more complex properties, through programs for higher values
What a policy can include
- Building: the structure you own or are required to insure under your lease.
- Business personal property: equipment, furniture, inventory and improvements.
- Business income: lost income and continuing expenses after a covered loss, depending on the policy.
Florida wind and hurricane terms, deductibles and building age all affect what’s available. Smaller businesses may be better served by a business owner’s policy, which combines property and liability; we’ll tell you which fits.
Common questions
Does commercial property insurance cover flood?
Usually not. Flood is commonly excluded and needs a separate flood policy. Ask us about flood coverage for your building and contents.
What is a hurricane deductible?
In Florida, many property policies have a separate deductible for hurricane damage, often a percentage of the insured value instead of a flat amount. We’ll show you how it applies before you choose.
Replacement cost or actual cash value?
Replacement cost pays to repair or replace with new property of like kind, subject to the policy terms. Actual cash value subtracts depreciation, so it pays less but usually costs less.
Call (813) 447-7534, Monday to Sunday, 7:30 AM to 7:30 PM, or request a quote online.
Commercial property quotes are for properties in Florida. Coverage is subject to eligibility, underwriting and policy terms.