Commercial Property Insurance in Massachusetts
Your business property plays a critical role in day-to-day operations — whether that’s a building you own, equipment you rely on, or inventory you need to serve customers. Commercial property insurance helps protect these assets from physical damage caused by covered events.
From small offices to larger commercial buildings, having the right coverage in place can help your business recover more smoothly after a loss.
What Is Commercial Property Insurance?
Commercial property insurance is designed to help cover physical assets used in your business. While buildings are often the most visible exposure, many businesses rely just as heavily on the contents inside.
Depending on the policy, commercial property insurance may help cover:
- Buildings you own
- Furniture, fixtures, and equipment
- Inventory and supplies
- Computers, records, and business contents
- Certain improvements you’ve made to leased space
Coverage details, limits, and exclusions vary by policy and insurer.
Businesses That May Need Commercial Property Insurance
Commercial property insurance is relevant for many types of businesses, including:
- Businesses that own their building
- Businesses that lease space but own equipment, furniture, or inventory
- Mixed-use or owner-occupied properties
- Property owners with larger rental or commercial buildings
Even if you don’t own the building, your business property still needs protection.
What Commercial Property Insurance May Include
While coverage varies, a commercial property policy may include:
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Building coverage – Helps cover damage to owned structures.
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Business personal property coverage – Helps cover contents such as equipment, inventory, furniture, and fixtures.
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Loss of business income – May help replace lost income if operations are interrupted by a covered loss.
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Optional endorsements – Coverage may be extended for certain risks depending on your business and location.
Not every business needs the same structure, which is why reviewing options matters.
Commercial Property Insurance vs. Other Policy Types
Depending on the size and nature of your business, commercial property coverage may be structured in different ways:
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Business Owners Policy (BOP) – Often bundles property and liability coverage for qualifying small to mid-sized businesses.
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Standalone Commercial Property Policy – May be appropriate for larger buildings, mixed-use properties, or more complex risks.
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Rental Property or Dwelling Fire Policies – Often used for residential rental properties rather than operating businesses.
Understanding which structure fits your situation helps avoid coverage gaps.
Commercial Property Insurance with Risman Insurance Agencies
Risman Insurance Agencies helps Massachusetts business owners explore commercial property insurance options that align with their operations, property exposure, and long-term goals.
As an independent agency, we work with multiple insurance carriers and can help you understand how commercial property coverage fits into a broader insurance strategy.
Insurance coverage cannot be added, deleted, or changed until confirmed in writing from our office.
Ready to Review Your Commercial Property Coverage?
If you own or operate a business with property to insure, our team is here to help.
