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Commercial Property Insurance

Comprehensive property protection for Ontario businesses. Shield your buildings, equipment, inventory, and business assets from fire, theft, natural disasters, and other property damage in Mississauga, Ontario, and across Canada.

What Is Commercial Property Insurance?

Commercial Property Insurance protects Ontario business assets including buildings, equipment, inventory, and other physical property from damage, theft, and natural disasters. It provides financial protection to help your business recover from property losses.

Building Protection

Covers damage to your business buildings, offices, warehouses, and other structures from covered perils.

Equipment & Inventory

Protects your business equipment, machinery, inventory, and other valuable business assets.

Who Needs Commercial Property Insurance?

Any Ontario business that owns or leases property, equipment, or inventory needs commercial property protection in the GTA.

  • Retail Stores
  • Restaurants & Cafes
  • Manufacturing Plants
  • Warehouses
  • Office Buildings
  • Medical Clinics
  • Auto Repair Shops
  • Hotels & Motels
  • Gyms & Fitness Centers
  • Salons & Spas
  • Professional Services
  • All Business Types

Key Benefits

Commercial Property Insurance provides essential protection for your business assets and peace of mind for your future.

Building Protection

Comprehensive coverage for your business buildings, offices, and structures.

Equipment Coverage

Protection for business equipment, machinery, and valuable assets.

Inventory Protection

Coverage for business inventory, raw materials, and finished products.

Business Continuity

Protection for lost income and extra expenses due to property damage.

What Does Commercial Property Insurance Cover?

Comprehensive protection for your business property and assets against various risks.

Buildings & Structures

Coverage for damage to your business buildings, offices, and other structures.

  • Building damage
  • Structural repairs
  • Roof damage
  • Foundation issues

Business Equipment

Protection for machinery, computers, tools, and other business equipment.

  • Machinery damage
  • Computer equipment
  • Tools and supplies
  • Office furniture

Inventory & Stock

Coverage for business inventory, raw materials, and finished products.

  • Inventory damage
  • Raw materials
  • Finished products
  • Merchandise

Fire & Natural Disasters

Protection against fire, lightning, wind, hail, and other natural disasters.

  • Fire damage
  • Lightning strikes
  • Wind damage
  • Hail damage

Theft & Vandalism

Coverage for stolen or vandalized business property and equipment.

  • Property theft
  • Equipment theft
  • Vandalism damage
  • Burglary damage

Business Interruption

Coverage for lost income and extra expenses due to property damage.

  • Lost revenue
  • Extra expenses
  • Relocation costs
  • Business disruption

Common Property Risks

Understanding the types of property risks commercial property insurance protects against helps you assess your coverage needs.

Fire & Explosion

Fire damage can destroy buildings, equipment, and inventory, causing significant business disruption.

Example: An electrical fire destroys a retail store's inventory and damages the building structure.

Natural Disasters

Weather events like storms, floods, and earthquakes can cause extensive property damage.

Example: A severe storm damages the roof and floods the basement of a manufacturing facility.

Theft & Vandalism

Businesses are targets for theft of valuable equipment, inventory, and cash.

Example: Burglars break into a restaurant and steal cash, equipment, and damage the premises.

Equipment Failure

Mechanical breakdowns and equipment failures can cause property damage and business interruption.

Example: A malfunctioning HVAC system causes water damage to office equipment and furniture.

Frequently Asked Questions

Common questions about Commercial Property Insurance coverage.

Commercial Property Insurance protects business assets including buildings, equipment, inventory, and other physical property from damage, theft, and natural disasters. It provides financial protection to help your business recover from property losses.

Any business that owns or leases property, equipment, or inventory needs commercial property protection. This includes retail stores, restaurants, manufacturing plants, warehouses, office buildings, and virtually all business types.

Commercial property insurance covers buildings and structures, business equipment, inventory and stock, fire and natural disasters, theft and vandalism, and business interruption due to property damage.

Coverage limits should equal the replacement cost of your buildings, equipment, and inventory. This ensures you can fully rebuild and replace your business assets if they are damaged or destroyed.

Coverage includes fire and explosion, natural disasters (wind, hail, lightning), theft and vandalism, water damage, and other covered perils as specified in your policy.

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