Commercial Property Insurance

Protect your Business

Torian Insurance offers commercial property insurance that will help you rebuild if your business is damaged by fire, theft, or another covered event. 

Let's Talk!

Call (812) 424-5503 or fill out the form below to get started.

Commercial property insurance protects you and your business.

Your Business Assets Are Worth Protecting

Business property insurance protects more than just your physical structure. It covers your building and assets inside the building. Commercial property insurance ensures that the financial burdens caused by fire, theft, vandalism, wind or other perils do not fall on your shoulders. The three primary categories of coverage include:

  • Goods, equipment & inventory
  • Buildings
  • Business income interruption

Protect Your Business With Commercial Property Insurance

Contact A Trusted Insurance Agency

Insurance can be complicated, but that's why we are here to help. With 100 years of experience in the insurance industry we can answer all of your questions.

Find The Right Coverage For You

Based on your specific business needs and operational risks, Torian will help customize your commercial property insurance policy.

Get Protected & Rest Easy

Your building, equipment, inventory and property matter as much to us as it does to you. With business property insurance you can rest easy knowing you're covered.

We pride ourselves in offering the best insurance coverage and services throughout Southern Indiana.

You can rest easy with Torian. As independent Insurance agents, we work for YOU, not the insurance companies! Our expert staff has your best interest at heart which means providing the best coverage.

Variety Of Insurance Policies

We offer a variety of policies to find the perfect one for YOU!

Peace Of Mind

You'll have peace of mind knowing that your business is protected in case of an emergency.

Trusted Partner

If something happens, our team will be there with you every step of the way.

Bundled Discounts

Bundle discounts save you time and money on all of your insurance needs.

Commercial Property Insurance FAQs

Commercial property insurance also known as business property insurance, helps cover your physical assets that you use to operate your business. This includes the physical structure of your business, business equipment & furniture and your inventory.

If you own commercial property including equipment, odds are you need commercial property insurance. This type of insurance protects your property from damage or destruction caused by a variety of events, such as fires, storms, theft, and vandalism. It can also help to cover the cost of repairs or replacement if your property is damaged. 

Some of the most common businesses that need commercial property insurance include: e-commerce, brick and mortar stores, restaurants, gyms and fitness businesses, cosmetics/ health & beauty, and arts & entertainment.

Commercial property insurance can help to cover the cost of repairs or replacement if the property is damaged by fire, theft, vandalism, or natural disasters. In short this type of insurance covers the building, everything inside and everything outside of it too like a fence. Some examples of property covered include:

  • Furniture & equipment
  • Inventory
  • Structural damage
  • Fencing & landscaping
  • Business income loss from disruptions
  • Flooring & fixtures

While natural disasters typically are covered – damage from earthquakes and floods are usually the exception.

Additional exclusions to a commercial property insurance policy may include:

  • Money & accounts
  • Vehicles
  • Crops 
  • Foundations, walkways, roads
  • Electronic data

A business owner’s insurance policy, also known as BOP is a combination of business liability insurance and business property insurance. While BOP covers the same things that commercial property insurance covers, it has some additional benefits and coverages. Generally, if you qualify, BOPs can save you money while providing a customized insurance policy.

The total cost you pay for a commercial property insurance policy is entirely dependent on a number of factors including:

  • Your profession / type of work
  • Location
  • Previous claim history
  • Risk including safety features of the business and occupancy
  • Value of your property
  • Number of employees you have
  • Limits / Coverage/ Deductibles

No. Business property insurance is not required by law. However, if you have a loan on your space, the lender may require you to carry business property insurance.

Commercial insurance, also known as business insurance, is a broad term that can include several different policies. If you own or manage a business, some other insurance policies you should consider include:

Getting a business insurance quote from us is easy, especially if you have the following ready:

  • Business locatin
  • Business name
  • Name of the business owner
  • Number of employees
  • List of any and all business partners
  • Years of operation
  • Yearly estimated revenue
  • Previous claim history
  • Operation & hazard details

I've used Torian for all of my insurance needs since ~2006 (property, personal liability, auto, business). Rosie and Wendy are so helpful and always make themselves available to walk me through my policies and support me during claims. And as independent agents, they are able to get me the best price across multiple insurance companies

Great service. Seems like you guys have a great team that works pretty well together that all Made you to make sure you guys give bets customer service possible

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