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Commercial Insurance

Commercial property coverage for the building, equipment, and inventory you’ve built.

From a Main Street storefront to a warehouse full of inventory, commercial property insurance protects the physical assets your business runs on against fire, weather, and other covered losses.

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The Basics

What commercial property insurance protects.

Commercial property covers the building you own or lease, along with the equipment, inventory, furniture, and fixtures inside it, against risks like fire, wind, hail, and vandalism.

Montana’s weather swings, from heavy snow loads to summer wildfire risk, make property coverage a core part of protecting a Gallatin Valley business, not just an afterthought.

  • Covers the building structure and business personal property
  • Protects equipment, inventory, and fixtures from covered perils
  • Can include business income coverage for lost revenue during repairs
  • Available for owned buildings and leased/rented spaces

What We Help Insure

  • • Retail storefronts and offices
  • • Warehouses and storage facilities
  • • Restaurant equipment and buildouts
  • • Leased tenant improvements
What’s Included

Core protections under commercial property

Building Coverage

Protects the physical structure you own, including permanently attached fixtures.

Business Personal Property

Covers inventory, equipment, furniture, and supplies inside your space.

Business Income

Replaces lost income and covers ongoing expenses if a covered loss forces a shutdown.

Equipment Breakdown

Covers mechanical or electrical failure of equipment like HVAC systems or refrigeration.

Weather & Fire Damage

Protection against Montana’s wind, hail, snow load, and wildfire exposure.

Tenant Improvements

Covers upgrades and buildouts you’ve made to a leased space.

Common Questions

Commercial Property FAQs

Do I need property coverage if I lease my space?
Yes. Your landlord’s policy typically covers the building structure only. Your own business personal property, inventory, and any improvements you’ve made usually need separate coverage.
Does this cover lost income if I have to close temporarily?
Business income coverage can be added to replace lost revenue and cover ongoing expenses while you rebuild or repair after a covered loss.
How are my coverage limits determined?
Limits are typically based on the replacement cost of your building and the value of your business personal property. We’ll walk through your space to make sure nothing is underinsured.

Let’s talk about your commercial property coverage.

Belgrade-based advisors who know Montana business risk, ready to help.

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