Commercial Property
Protects the buildings, equipment, inventory and improvements your business depends on.
What it covers
Buildings you own or are responsible for
Business personal property, equipment and inventory
Business income and extra expense after a covered loss
Equipment breakdown, when added
Who needs it
Any business that owns or leases space, or keeps equipment and stock on site.
How TriStone handles it
We review your current program, market it to the right carriers and walk you through the options: what it covers, why, and what it costs.
The coverage picture
Where Commercial Property fits in your program.
Liability tower
Sits over
Covered
Buildings you own or are responsible for
Business personal property, equipment and inventory
Business income and extra expense after a covered loss
Equipment breakdown, when added
Common add-ons
Equipment breakdown
Flood and earthquake (where available)
Ordinance or law
Spoilage
Not covered here
Flood and earthquake unless added
Wear and tear, maintenance
Vehicles (see Commercial Auto)
Liability to others (see General Liability)
These summaries are general and for illustration only. Coverage, limits, exclusions and availability vary by carrier, policy form and state, and all coverage is subject to underwriting approval. The terms of your issued policy always govern.
Often paired with
Inland Marine & Equipment
Covers equipment, tools and property that moves between locations or sits on a jobsite.
General Liability
Covers claims that your operations caused bodily injury or property damage to others.
Umbrella & Excess
Adds limits above your general liability, auto and employer’s liability when a claim exceeds them.
Where this matters most
The industries that most often need this coverage.
Manufacturing
Protection for plants, product lines and the supply chains behind them.
Towing, Auto Service & Local Fleets
Programs for tow operators, repair and service shops, and the local fleets that keep a route running.
Real Estate & Property Management
Coverage for owners, investors and managers across single assets and portfolios.
Healthcare
Programs for practices, clinics and healthcare service companies.
Hospitality & Restaurants
Protection for restaurants, bars, hotels and venues where guests are the business.
Nonprofits & Ministries
Coverage for churches, ministries and nonprofits serving their communities.
Review your Commercial Property program with the team.
Request a coverage review