Commercial Property Insurance
Protect your business assets with commercial property insurance.
Since 1946, we’ve helped families across Acadiana and nationwide find the right coverage with a personal touch.
Insurance Tailored To You
From warehouses to office buildings, Dorsey Insurance Agency helps business owners safeguard their property, equipment, and income. Contact our team today!
Serving Individuals, Families, and Communities Since 1946
Your business property represents years of hard work and investment. Fire, theft, hurricanes, or equipment damage can threaten everything you’ve built. That’s where commercial property insurance comes in.
At Dorsey Insurance Agency, we work with trusted carriers to find insurance for commercial property that fits your business, your location, and your budget. Whether you own a single storefront, a multi-tenant building, or manage leased spaces, our team will help you find the right protection to keep operations running smoothly.
What Is Commercial Property Insurance?
Commercial property insurance is a policy designed to protect buildings, inventory, and equipment owned or leased by your business. It pays for repairs or replacement after covered events like fire, storms, vandalism, or theft — ensuring your company can recover quickly and continue serving customers.
What Does Commercial Property Insurance Cover?
Typical commercial insurance property policies may include:
- Building Coverage – Protects your structure, attached fixtures, and on-site improvements.
- Business Personal Property – Covers equipment, tools, furniture, computers, and inventory.
- Outdoor Property – Signage, fencing, and landscaping.
- Business Interruption – Replaces lost income if operations stop after a covered event.
- Equipment Breakdown – Repairs or replaces damaged machinery.
- Commercial Property Liability Insurance – Extends protection if property damage causes loss to others.
Types of Commercial Property Insurance
Not all businesses face the same risks. Dorsey Insurance offers several types of commercial property insurance, including:
- Commercial Rental Property Insurance – Protects landlords renting to businesses or tenants.
- Commercial Property Landlord Insurance – Covers your building, fixtures, and lost rent if a unit becomes uninhabitable.
- Commercial Property Owners Insurance – Comprehensive coverage for individuals or companies that own commercial buildings.
- Commercial Apartment Property Insurance – Ideal for owners of apartment complexes or mixed-use properties.
- Commercial Insurance for Rental Property – Ensures your income and structure are protected against damage or liability claims.
No matter what kind of property you manage, we’ll tailor your commercial property owner insurance to fit your exact needs.
Who Needs Commercial Property Insurance?
You need insurance on commercial property if you:
- Own or lease an office, warehouse, or retail location.
- Rent commercial space to tenants or operate multi-unit buildings.
- Have equipment, tools, or inventory essential to business operations.
- Want financial protection from unexpected property damage or loss.
If you’re a landlord or investor, insurance for commercial rental property is especially important — it protects not only your structure but also your income.
Benefits of Having the Right Coverage
- Protects your property and assets from fire, theft, or storm damage.
- Keeps your business operating after unexpected events.
- Meets lender or lease requirements for coverage.
- Provides financial peace of mind for property owners and tenants.
Risks of Not Having Coverage
Without proper commercial property owners insurance, you could face:
- Paying out-of-pocket for repairs or rebuilding.
- Long business interruptions with no income replacement.
- Breach of lease or financing terms requiring insurance.
- Permanent business or rental income loss after a disaster.
How We Help You Find the Right Policy
At Dorsey Insurance Agency, our process is simple and transparent:
- Learn About Your Property – We assess your location, structure, and business operations.
- Compare Carriers – As an independent agency, we find the best commercial insurance for rental property options available.
- Customize Coverage – Whether you need landlord, owner, or tenant protection, we tailor your policy to meet every requirement.
With decades of experience serving Louisiana businesses and nationwide, we know how to protect what matters most.
Want To Know More? Contact Us Or Request A Quote.
Safeguard your buildings, inventory, and business future with reliable commercial property insurance.
Commercial Insurance We Provide
Our Trusted Partners...
Commercial property insurance covers damage to business buildings, equipment, inventory, and furniture caused by fire, theft, vandalism, or natural disasters. It also includes loss of income from business interruption and may cover property owned by others that is in the insured’s care.
Commercial property insurance costs between $63 and $250 per month for small businesses, depending on location, property value, industry, and coverage limits. High-risk areas or businesses with expensive equipment may pay more. Annual premiums typically range from $750 to $3,000 for most standard policies.
Yes, commercial property insurance covers theft of physical assets such as equipment, inventory, and furniture. Coverage applies if the theft occurs due to forced entry or unlawful access. Policies may exclude employee theft unless combined with a separate fidelity bond or crime insurance endorsement.