Commercial Property Insurance
Commercial property covers the physical assets at your business location — your shop or warehouse, your stock of SFRM, intumescent material, and firestop products, and the equipment you store on premises — against fire, theft, vandalism, water damage, and more.
Commercial Property Insurance for Fireproofing Contractors
If you operate a shop, warehouse, or storage yard, commercial property insurance protects the building or your build-out and everything inside it — your inventory of SFRM, intumescent coatings, and firestop products, plus the equipment and materials you keep on premises — against fire, theft, vandalism, water damage, and other covered perils.
What's Covered
- Building or tenant improvements: Your structure if you own it, or your build-out if you lease
- Material stock: Bags and pails of SFRM, intumescent material, sealants, and firestop products
- On-premises equipment: Rigs, pumps, and mixers stored at your shop
- Office contents: Computers, estimating systems, and business records
- Business interruption: Lost income and continuing expenses if a covered loss closes your shop
Property vs. Inland Marine
Commercial property covers assets at your fixed location; inland marine (tools & equipment) covers gear on the move. The two work together so your shop and your mobile equipment are both protected, with no gap where one stops and the other should start.
Valuing It Right
Material and equipment carry real value, and weather-sensitive product can be damaged in storage. We set replacement-cost limits on your building, equipment, and stock — and include business income coverage so a fire or loss doesn't stop your jobs and your cash flow at the same time.
What's Covered
Frequently Asked Questions
Do I need commercial property if I work out of my truck?
If you store materials and equipment at a shop, warehouse, or yard, commercial property protects that location and stock. If your gear lives mostly in the truck, tools & equipment (inland marine) may matter more — most fireproofing contractors carry both, and we right-size the split.
Does it cover my stock of fireproofing material?
Yes. A properly written policy covers your inventory of SFRM, intumescent material, sealants, and firestop products at your location, along with your building or build-out and on-premises equipment, at replacement cost.