COLORADO COMMERCIAL PROPERTY INSURANCE
Protect the Property That Keeps Your Business Moving
Your building, equipment, inventory, and other business property represent a major investment. We help Colorado business owners compare commercial property coverage designed around their operations, risks, and budgets.
Independent Agency
Multiple Insurance Companies
Personal Local Service
Insurance Experience Since 2011
More Than a Building
Coverage Built Around the Property Your Business Depends On
Protect the physical assets behind your operation—from buildings and inventory to equipment and tenant improvements.
Commercial Property Coverage
Protection for the Assets Behind Your Business
Buildings and Structures
Coverage for eligible commercial buildings and attached structures.
Business Personal Property
Furniture, computers, supplies, and other business-owned property.
Equipment and Machinery
Eligible equipment and machinery used in daily operations.
Inventory and Stock
Merchandise, products, materials, and inventory at the insured premises.
Tenant Improvements
Eligible improvements or additions made to a leased commercial space.
Signs and Outdoor Property
Eligible exterior signs, fencing, lighting, and other outdoor property.
Protection When the Unexpected Happens
Covered Loss Examples
Fire & Smoke
Wind & Hail
Theft
Vandalism
Lightning
Certain Water
Losses
Keeping Your Business Moving
Business Income and Extra Expense Coverage
Property damage can affect more than your building. Business income and extra expense coverage may help when a covered loss interrupts normal operations.
Coverage Details Matter
Important Coverage Decisions
Replacement Cost vs. Actual Cash Value
Understand how covered property may be valued following a loss.
Limits and Deductibles
Select protection that reflects your property and operating needs.
Equipment Breakdown
Consider eligible mechanical, electrical, and pressure-system failures.
Ordinance or Law
Consider additional rebuilding costs required by current building codes.
Colorado Businesses
Property Coverage for Many Types of Operations
- ✓ Retail stores
- ✓ Professional offices
- ✓ Restaurants
- ✓ Contractors
- ✓ Warehouses
- ✓ Commercial landlords
- ✓ Medical practices
- ✓ Mixed-use buildings
A Simpler Way to Compare Coverage
How It Works
Tell Us About Your Property
We learn about your building, assets, equipment, and risks.
Compare Available Options
We review coverage from multiple insurance companies when available.
Choose With Confidence
We explain important limits, deductibles, and exclusions.
Why McCloskey Advisor Group?
Independent Advice. Personalized Protection.
Local Guidance
Work with an experienced Colorado insurance agent.
Multiple Carriers
Compare available options from several insurance companies.
Clear Explanations
Understand important limits, deductibles, and exclusions.
Personalized Coverage
Choose protection based on your property, operations, and budget.
Business Insurance FAQs
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Commercial property insurance may help protect covered buildings, equipment, furniture, inventory, and other business property after an eligible loss. Exact coverage depends on the policy.
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Commercial property insurance may be required by a lender, landlord, or contract. Even when it is not required, it can help protect the physical assets your business depends on.
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Appropriate limits depend on the cost of repairing or rebuilding your property and replacing your equipment, inventory, furnishings, and other covered assets.
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Standard commercial property policies commonly exclude flooding. Separate flood insurance may be available depending on the property and location.
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Standard property insurance may not cover every mechanical or electrical failure. Equipment breakdown coverage may be available as an endorsement or separate policy.
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Business income coverage may help replace eligible lost income when a covered property loss temporarily interrupts normal operations.
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Depending on the business, commercial property and general liability coverage may be combined in a business owners policy or commercial package policy.