Commercial Property Coverage

Business Insurance

Get Coverage For The Places You Own

One of the most common types of business insurance, commercial property insurance, provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other disasters (both natural or manmade) are examples of what is typically covered.

As an independent agent, Jeff Munns Agency, Inc. can help you find business insurance options.

Whether your business is based in Lincoln, NE or in Nebraska, Kansas, Iowa, Missouri, South Dakota, Minnesota, Tennessee, Texas or Wisconsin, let our agency help you find the right commercial property insurance for your business.

Commercial Property Insurance

What You Need To Know


Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building.

Electronic Data Processing (EDP)

This coverage is separate property coverage specifically designed to protect your computer-related equipment. Most commercial property policies have limited coverage for computer networks; EDP even broadens the causes of loss to include things like power surges and in some cases virus attacks.

Business Personal Property

Business personal property insurance covers property at a specified location for furniture, fixtures, equipment, and inventory.

Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).


Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered.

Business Income (Business Interruption Coverage)

This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event, such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster.

Informational statements regarding insurance coverage are for general description purposes only. Read our disclaimer.

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