Business Insurance

Protect your building, equipment and inventory

Commercial property insurance covers the physical assets your business depends on, whether you own the building or lease your space.

Get an Instant Business Quote Request a Custom Quote Call (530) 813-9150

Many small-business policies can be quoted online through NEXT Insurance. For larger, specialized or hard-to-place risks, send a request and we will shop it for you. Selecting "Get an Instant Business Quote" takes you to a third-party website that has its own privacy policy and terms. A quote is not a binder or a guarantee of coverage.

Jacob (Jake) Livingood · CA License #4135028

For properties the standard market will not write, we can also help with California FAIR Plan commercial property coverage.

What commercial property can cover

Building

The structure you own, including permanently installed fixtures.

Business personal property

Equipment, furniture, inventory and supplies.

Tenant improvements

Upgrades you made to a leased space.

Business income

Lost income and continuing expenses after a covered loss shuts you down (when included).

Things to consider

Insure to replacement cost and review values annually.
Flood and earthquake are typically excluded and need separate coverage.
Equipment breakdown and spoilage coverage may be important for restaurants and cold storage.

This is a general description, not a policy. Coverage, limits and exclusions vary by insurer and are governed by the policy actually issued.

Frequently asked questions

Does my landlord's policy cover my equipment?

No. The landlord insures the building. Your equipment, inventory and improvements need your own coverage.

Request a custom business quote

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First name *

Last name *

Phone *

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I'm interested in *

Business name

What does your business do?

How can we help?

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Submitting this form does not bind or change coverage. Coverage is not in force until confirmed in writing by our agency or the insurer.

Jake Livingood

Licensed Agent · CA License #4135028

Send the form and I'll personally follow up during business hours.

Call (530) 813-9150

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