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Commercial Property Insurance

Commercial Property Insurance consists of several coverage categories that in combination protect building owners. Ben Lau Insurance Agency is experienced in combining coverages from different insurance carriers to find the best overall value.

Your Exposure to Claims:

Commercial property owners must protect themselves from property damage, liability for bodily injury that occurs on their premises, personal injury suits stemming from wrongful eviction or libel/slander charges from tenants, and crime. Most Commercial Property Insurance packages include:

Property Coverage

  • Building Coverage:  Includes any damage, whether intentional or accidental, to your commercial property

  • Personal Property Coverage:  Includes damage to your personal property on the premises

  • Business Income Coverage:  Covers loss of income due to a claim.

  • Ordinance or Law Coverage:  Covers the larger costs of reconstruction if your older building suffers substantial damage and must be rebuilt in compliance with new government standards.

Liability Coverage

  • Bodily Injury and Property Damage:  Protects you in the event a person injures themselves or damages their property on your premises.

  • Personal Injury Coverage:  Helps protect against lawsuits for wrongful eviction, liable, slander, etc.

Crime Coverage

  • Robbery & Safe Burglary, Money & Securities Coverage:  Covers money and securities lost in a robbery or safe burglary at a building or in the care and custody of a messenger.

  • Theft, Disappearance, & Destruction Coverage:  Protects against loss of money and securities resulting directly from any kind of theft, disappearance, or destruction of property

There are also numerous plans that cover glass, appliances, parking areas, pools and saunas, and essentially everything that a commercial property owner may need to protect or may be liable for. Please call us to help you determine the best combination of plans for your distinct  needs, as each commercial property and each owner has different requirements.


For more information please call us at (415) 876-5440.  You can request a free quote here.


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