Commercial Property Insurance

Safeguard Your Building, Equipment, and Livelihood

Florida’s weather, property costs, and compliance rules make protecting your commercial space—and everything inside it—more complex than ever. At LIG Specialty Insurance, we specialize in helping contractors, trades, and small business owners in Casselberry, Orlando, and Seminole County navigate insurance for offices, shops, warehouses, and more.


We take the time to understand your operation, your exposures, and your contracts—delivering coverage that actually works in the real world, not just on paper.

Red car with severe damage to the rear, loaded on a tow truck.
Watercolor-style illustration of a green fern leaf with multiple leaflets.

What Does Commercial Property Insurance Cover?

Building Coverage

Pays to repair or rebuild your business property after fire, storms, hurricanes, vandalism, or other covered losses.

Business Personal Property

Covers furniture, tools, inventory, supplies, and equipment inside your building or on premises.

Equipment Breakdown

Protects against costs to repair or replace key systems like HVAC, electrical, or machinery after sudden failures.

Business Income/Interruption

Helps replace lost revenue and cover ongoing expenses if a covered claim shuts down your operations.

Outdoor Signage & Landscaping

Coverage for signs, fencing, and some landscaping that’s vital to your business image and access.

Optional Coverages

Add-ons for theft, water backup, flood (not included in standard policies), ordinance & law upgrades, and more.

Every policy is tailored to your property type, location, and business needs—with proactive reviews to catch gaps and avoid claim denials.

Red car with severe damage to the rear, loaded on a tow truck.

Who Needs Commercial Property Insurance?

  • Contractors and trades with offices, shops, storage yards, or owned/leased space
  • Business owners responsible for insuring a building, contents, or high-value equipment
  • Retailers, restaurants, and service providers in stand-alone or strip mall spaces
  • Anyone required by a landlord, lender, or contract to show proof of property insurance


If your business owns physical assets—or depends on a location to operate—this coverage is essential for recovery and compliance.

Florida-Specific Considerations

  • Hurricane & Windstorm Risks: Policies should include wind/hurricane coverage, but exclusions, deductibles, and special terms are common. We review the fine print with you.
  • Flood Exclusion: Flood is not included in standard property policies—let’s talk about separate flood insurance if you’re at risk.
  • Building Code/Ordinance Upgrades: Florida’s strict rebuilding codes can increase claim costs. We recommend ordinance & law coverage for full protection.
  • Carrier Volatility: Florida’s commercial property insurance market changes rapidly—LIG stays ahead so you’re never left exposed.


Our proactive approach means annual reviews, storm preparedness, and fast claims help—so you’re always ready for what’s next.

Property vs. Other Business Insurance

  • Commercial Property Insurance: Covers buildings, business contents, and loss of income after covered claims.
  • General Liability Insurance: Covers injuries to others and property damage your business causes.
  • BOP (Business Owners Policy): Bundles property and general liability for small businesses needing both.


We’ll explain which fits your needs and build your package around your operation.

Red car with severe damage to the rear, loaded on a tow truck.

Frequently Asked Questions – Commercial Property Insurance

  • Is commercial property insurance required in Florida?

    It’s not required by law, but lenders and landlords nearly always require proof for financed or leased spaces.

  • What does a property policy not cover?

    Flood, earthquakes, and routine wear/tear are excluded. We help you address any gaps with tailored solutions.

  • How do hurricane deductibles work?

    Most policies have separate, higher deductibles for named storms. We explain how they affect claims before you buy.

  • Can I insure equipment, inventory, or outdoor items?

    Yes. We tailor your policy to cover tools, inventory, signs, fencing, and more.

  • How quickly can I get proof of coverage?

    Often same-day—LIG issues certificates and helps you meet contract or lease deadlines.

Buildings icon. Black outline of three connected structures.

Ready to Protect Your Property—and Your Future?

Let’s review your space, assets, and contract needs together. LIG Specialty Insurance makes property coverage clear, practical, and reliable—always with advice from a team that knows you.