A fire damages equipment and interrupts operations.
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Commercial Insurance Solution
Property Insurance
Protection for buildings, business personal property, equipment and income affected by covered physical loss or damage.
Request a ProposalWho it helps
Coverage aligned with the exposure
- Building owners and tenants with equipment, inventory or improvements
- Organizations dependent on specialized property or a key location
- Businesses exposed to interruption from fire, water, wind or other hazards
Claim scenarios
How a claim might arise
A covered water event damages improvements and business property.
A windstorm damages a building and causes a period of lost income.
These examples are illustrative only. Whether a claim is covered depends on the actual facts and the policy’s terms, conditions, exclusions, limits and endorsements.
Review carefully
Exclusions and options to discuss
- Replacement cost, coinsurance and valuation
- Flood, earthquake, wind and water exclusions
- Business income, extra expense and period of restoration
- Equipment breakdown, ordinance or law and dependent properties
Prepare for a quote
Information your broker may need
- Locations, construction, occupancy and protection details
- Building, equipment, inventory and improvement values
- Business-income worksheets and continuity plans
- Prior property losses and catastrophe exposures
Frequently Asked Questions
Common questions
Is commercial property insurance required?
Requirements depend on your operations, contracts, state law and other circumstances. A Peloton broker can help identify contractual and practical requirements that apply to your organization.
How is pricing determined?
Insurers generally consider the organization’s size, operations, loss history, limits, deductibles, controls and other coverage-specific exposures.
Can this coverage be coordinated with our other policies?
Yes. Reviewing related policies together can help identify gaps, overlaps and inconsistent terms before a claim occurs.
Talk with Peloton
Build a proposal around your organization—not a generic checklist.
This page provides general information only and is not legal advice or a representation of coverage. Policy terms and availability vary by insurer and risk.