Why Commercial Building Insurance Matters
Owning a commercial building—whether it’s an office, retail space, warehouse, or mixed-use property—comes with significant financial responsibility. A single storm, fire, or liability claim can cost thousands (or even millions) of dollars. The right commercial building insurance ensures you’re protected from the unexpected so your business and tenants can keep operating.
What’s Covered Under Commercial Building Insurance
While coverage can be customized, most policies include:
- Building Coverage – Protects the structure, including walls, roof, windows, and permanently installed fixtures.
- Business Personal Property – Covers furniture, inventory, and equipment kept at the property.
- General Liability – Protects against claims of injury or property damage that occur on your premises.
- Loss of Income (Business Interruption) – Helps replace lost income if the building can’t be used due to a covered loss.
- Equipment Breakdown – Covers repairs or replacement for covered machinery and systems, like HVAC units.
What’s Not Typically Covered
- Flood damage (requires separate flood insurance)
- Earthquake damage (optional add-on)
- Normal wear and tear
- Tenant-owned property (covered by their own policies)
Why It’s Different in North Carolina
Commercial properties in North Carolina face a range of risks—from hurricanes and wind damage along the coast to hail, fire, and theft further inland. For example:
- Coastal properties may require higher windstorm and hail limits.
- Urban commercial spaces in Raleigh, Charlotte, and Greensboro may prioritize liability coverage for high foot traffic.
- Industrial buildings might need specialized coverage for equipment or hazardous materials.
How Sizemore Insurance Helps
We work with multiple top-rated commercial insurance carriers to ensure you get the best combination of coverage and price. Our process includes:
- Reviewing your building’s value and current coverage.
- Identifying gaps that could leave you exposed.
- Comparing rates from multiple carriers—not just one.
- Tailoring your policy to your location, tenant type, and operations.
We’re independent, which means we work for you—not the carrier. Our goal is to keep your property and your livelihood protected.
Protect Your Investment Today
Start your commercial building insurance quote online or call (910) 791-1011 to connect with a Sizemore Insurance advisor.