Commercial Property · Houston, TX
COMMERCIAL PROPERTY INSURANCE IN HOUSTON
Commercial property insurance protects the physical things your business depends on: your building, equipment, inventory and furniture. If a fire, storm or break-in damages them, this coverage pays to repair or replace them so you can get back to work.
In Houston, where hurricanes, hail and heavy storms are part of life, having the right property coverage and the right deductible matters. We compare several carriers to find coverage that fits your business and your budget.
Coverage overview
WHAT COMMERCIAL PROPERTY INSURANCE COVERS
The physical things your business depends on.
Your Building
If you own it, including permanent fixtures and built-in systems.
Business Personal Property
Equipment, computers, furniture, tools, inventory and supplies.
Tenant Improvements
Upgrades you paid for in a space you lease, like flooring, lighting or build-outs.
Outdoor Signs and Fences
Outdoor signs, fences and similar items, often covered up to a set limit.
Property of Others
Customer items in your care, like equipment you're repairing.
Common Causes of Loss It Covers
Fire and smoke
Wind and hail
Lightning
Theft and vandalism
Sudden Water Damage
Coverage Worth Adding
Business income
Replaces lost income and helps pay ongoing bills, like rent and payroll, while you're closed for covered repairs.
Extra expense
Pays added costs to keep operating, like renting a temporary space.
Equipment breakdown
covers sudden mechanical or electrical failure of equipment like HVAC systems, compressors or refrigeration.
What It Doesn't Cover
Know the gaps before you need to file a claim.
Excluded. Flood coverage needs a separate NFIP or private policy.
Normal wear and tear, or damage from poor upkeep, is not covered.
Earthquake and earth movement are usually excluded from coverage.
Injuries to other people are under your general liability policy.
What Houston Business Owners Should Know
Wind and hail deductibles
Many Houston-area policies have a separate wind and hail deductible, often a percentage of the building's value instead of a flat dollar amount. A 2% deductible on a $500,000 building is $10,000. Know your number before storm season.
Wind and hail deductibles
Many Houston-area policies have a separate wind and hail deductible, often a percentage of the building's value instead of a flat dollar amount. A 2% deductible on a $500,000 building is $10,000. Know your number before storm season.
Replacement cost vs. actual cash value.
Replacement cost pays what it takes to rebuild or replace today. Actual cash value subtracts depreciation, which can leave you well short after a loss. Most businesses are better protected with replacement cost.
Insure to value.
Many policies include a coinsurance clause that requires you to insure your property for a set percentage of its full value, often 80% or 90%. If you're underinsured, a claim payment can be reduced. We help you set limits that reflect what it would really cost to rebuild.
2006
In Insurance Since
2014
Writing P&C Since
2019
Serving Houston Since
EN / ES
English & Español
Who It's For
Business owners who own their building
Tenants: your lease likely makes you responsible for your own equipment, inventory and improvements
Owners of commercial rental property
Retailers, restaurants, offices, warehouses, contractors and medical offices
Small businesses can often get property and general liability together in a Business Owner's Policy (BOP), usually at a lower combined price.
How It Works
Step 1
Tell Me About Your Site
Tell me about your property, what is inside it, and whether you own the building or lease space.
Step 2
I Shop Several Carriers
I shop several carriers for you and walk you through what each quote covers, not just the price.
Step 3
You Choose, I Handle It
Pick the option that fits. I handle the paperwork, then review your coverage with you each year.
Frequently Asked Questions
COMMON QUESTIONS
Does commercial property insurance cover flooding?
No. Flood requires a separate policy. Many Houston businesses outside high-risk flood zones still buy flood coverage, because flooding happens across the city.
I lease my space. Do I need commercial property insurance?
Usually, yes. Your landlord's policy covers the building, not your equipment, inventory or the improvements you paid for. Your lease may also require you to carry your own coverage.
What's a wind and hail deductible?
A separate deductible that applies only to wind and hail damage. In the Houston area it's often a percentage of your building's insured value, so it can be much larger than your regular deductible.
What's the difference between a BOP and commercial property insurance?
A BOP bundles commercial property with general liability for qualifying small businesses. Larger businesses, or those that don't qualify, buy property coverage on its own.
How much commercial property coverage do I need?
Enough to rebuild your building and replace everything in it at today's prices. We help you estimate those values so a claim isn't reduced for being underinsured.
Does it cover my income if I have to close after a storm?
Only if you add business income coverage. It replaces lost income and helps pay ongoing expenses while you're closed for covered repairs.
OFTEN PAIRED WITH
Most Houston businesses combine property coverage with these.
General Liability
Covers injury and property damage claims from people outside work.
Flood Insurance
Covers flood damage, which commercial property policies leave out.
Professional Liability
Covers claims that your advice or professional work caused a loss.
TALK TO KEVIN
Questions About Your Commercial Property?
Let's find 30 minutes to look at what you have and what you actually need. No pressure, in English or Spanish.
HOURS
Mon to Fri 9am to 6pm
Helping Houston families and business owners protect what matters most, with real guidance, not just rates.
Caballaro Agency provides insurance products and services. Insurance products are not securities and are not offered through World Equity Group, Inc. For information regarding securities and investment advisory services, please contact Kevin Caballaro directly. Securities and investment advisory services offered through World Equity Group, Inc. Member FINRA and SIPC, a Registered Investment Adviser. Exponent Prosperity Accelerator Advisors, LLC & SMART Group Houston is not owned or controlled by World Equity Group, Inc.
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