Commercial Property Insurance in Garland, TX
Unexpected losses can interrupt your business and affect your profits. Commercial property insurance can help you get back on track by covering the cost to repair or replace damaged property.
What Does Commercial Property Insurance Cover? 
Typical commercial property insurance may cover:
- Buildings and structures owned or leased by your business
- Furniture, fixtures and supplies
- Inventory and stock
- Equipment, machinery and tools
- Outdoor signage and landscaping
Standard policies, however, may often have exclusions. For specific risks, your agent may suggest additional coverage options, such as:
- Flood insurance
- Equipment breakdown coverage
- Inland marine insurance
- Spoilage coverage
- Business interruption insurance
Who Should Get a Policy?
In Texas, commercial property insurance is crucial for business continuity and meeting the requirements of contracts or lenders. Any business that owns or leases physical space, has equipment or stores inventory can benefit from commercial property insurance. This includes:
- Retail stores
- Offices
- Restaurants
- Warehouses
- Manufacturers
- Service providers with valuable tools or equipment
How Much Does It Cost?
Coverage costs may vary based on factors like your business location, selected coverage types and chosen coverage limits and deductibles.
Tips for Lowering Your Insurance Premium
There are various ways you may be able to reduce your insurance costs:
- Install security systems and fire alarms
- Maintain your building and equipment regularly
- Bundle policies (such as property and liability) with the same insurer
- Increase your deductible if it fits your budget
- Review your coverage annually to avoid over- or under-insuring
How Our Team Supports Your Business
At One Choice Insurance, we work with local businesses and property managers to assess your risks and suggest coverage options that fit your needs. Contact us today to get a free personalized quote.