--- title: Commercial Property Insurance in California description: Independent Group Agency offers best commercial property insurance in California. Get covered with the most competitive rates. --- # COMMERCIAL PROPERTY INSURANCE ## from Independent Group Agency * * * ## Commercial Property Insurance One of the most common types of business insurance is commercial property insurance, which provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, wind and other natural or manmade disasters are examples of what is typically covered. A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an [independent insurance agent](/independent-agent), IGA can help you determine the type of insurance policy and range of coverage that is best for your business. For a full list of coverage available, or to learn more about this business property insurance, [contact us today](/contact). ### About Commercial Property Insurance - **Insuring Buildings** Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building. [Give us a call today](/contact), and we’ll help you determine if you have enough commercial property insurance for your business. - **Flood Insurance** Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just [ask us to review your insurance policy](/contact), and we’ll help you find the best solution. - **Business Personal Property Coverage** Business personal property insurance covers property at a specified location such as furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater). - **Business Income (Business Interruption Coverage)** This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. We strongly recommend that all businesses acquire this coverage. - **Electronic Data Processing (EDP) Insurance** This coverage is separate property coverage specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks. IGA understands the Woodland Hills business insurance needs of our customers. The right coverage for you is unique – call us today to find out how to protect your business and your future with the right insurance. * * * ## Quick Quote (A form appears here on the HTML version of this page.) ## From Our Blog [Upgrading Your Windows - How to Choose What's Best for Your House](/blog/2026/upgrading-your-windows-how-to-choose-whats-best-for-your-house) [What Every Homeowner Should Know About Their Utility Shutoffs](/blog/2026/what-every-homeowner-should-know-about-their-utility-shutoffs) [The Business Benefits of Safety Training for Employees](/blog/2025/the-business-benefits-of-safety-training-for-employees) ## Insurance Companies Independent Group Agency represents the following insurance companies. [Anthem Blue Cross](/service-center#anthem-blue-cross) [Blue Shield of California](/service-center#blue-shield-ca) [CA Fair Plan](/service-center#ca-fair-plan) [CNA](/service-center#cna) [Foremost Insurance](/service-center#foremost) * * * ## Ready to Get Started? Independent Group Agency can help you find the right commercial property insurance policy. Contact one of our helpful team members or start your quote online today. 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