Commercial Property Insurance for Texas Contractors
Commercial property insurance protects the physical assets of your contracting business — your office, shop, warehouse, stored materials, and business equipment. In Texas, where hail, wind, and flooding are real and frequent risks, having solid property coverage isn't optional. We've seen contractors lose everything in a single storm because they thought their landlord's policy covered them. It doesn't.
What It Covers
- ✓Your building (if you own it)
- ✓Business personal property (furniture, computers, stored materials)
- ✓Equipment and machinery at your location
- ✓Signs, fencing, and outdoor property
- ✓Business interruption / loss of income
- ✓Tenant improvements (if you lease space)
Who Needs This Coverage
- →Contractors who own or lease office or shop space
- →Businesses with stored materials, inventory, or equipment
- →Contractors with expensive machinery at a fixed location
- →Anyone whose landlord requires tenant insurance
Common Claims We See
Frequently Asked Questions
Does commercial property cover my tools on job sites?
No. Commercial property covers items at your business location. For tools and equipment on job sites or in transit, you need inland marine / tools & equipment coverage. We can set up both.
What about flood damage?
Standard property policies exclude flood. In Texas, that's a real problem. We can add flood coverage separately — and in many areas, it's more affordable than you'd think.
What's the difference between replacement cost and actual cash value?
Replacement cost pays to replace damaged property with new items. Actual cash value factors in depreciation, so you get less. Replacement cost is usually worth the extra premium — especially for equipment.