Commercial Property Insurance

Protect the physical assets of your business to ensure that unexpected events won't jeopardize your operations.

Secure a Resilient Future for Your Business

Safeguarding your business's physical assets and securing its financial future is paramount.

At Manna Insurance, we specialize in commercial property insurance and understand the unique needs and risks faced by business owners.

Whether you operate a small storefront, manage a large commercial property portfolio, or anything in between, we can tailor a policy that precisely fits your specific needs.

We will work to ensure that your business can thrive and endure, no matter what unexpected challenges or disasters may come your way.

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So what coverage do I need?

Protection from Perils in Running a Business On-Site

Building Coverage

Just like cheese is the heart of a pizza, property coverage is the heart of commercial property insurance. It protects your physical space, including buildings and business assets, from perils like fire and theft.

Business Personal Property

This coverage extends to the contents of your business property, including equipment, machinery, furniture, inventory, and supplies. It safeguards these assets against theft, damage, or destruction caused by covered perils.

Business Interruption

When life throws you a curveball, this coverage steps in. It helps cover lost income and operating expenses when your business has to temporarily shut down due to covered perils. It's your secret sauce for surviving tough times.

Sewer & Drain Backup

Don’t get stuck in the muck. This coverage helps cover the cost of repairing damage caused by sewer or drain backups, which can lead to significant property damage.

Outdoor Property

If your business has outdoor property like signs, fences, or landscaping, you may need coverage to protect these assets from damage or theft.

Crime

This coverage helps with losses from theft, employee dishonesty, or forgery.

Equipment Breakdown

When your business equipment, like computers or pizza ovens, throws a tantrum, this coverage saves the day. It helps repair or replace the malfunctioning gear.

Debris Removal

In the event of a covered loss, this coverage pays for the cost of removing debris and wreckage from your property, which can be significant after a disaster.

Ordinance or Law

When building codes change, and you need to upgrade your space, this coverage helps cover the costs of bringing your property up to code.

Flood & Earthquake

Not every insurance policy covers floods or earthquakes, so it's like ordering something specific, like soy milk for your latte. If your area is prone to flooding or earthquakes, this is a must to protect against damage.

Inland Marine

This coverage is for property that is frequently in transit or temporarily located away from your primary business location, such as tools, equipment, and valuable items used off-site.

Liability

This shields you if someone is injured on your property or if your business accidentally damages someone else's property.

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Ways to Save on Commercial Property Insurance

Review & Customize Coverage

Regularly review your commercial property insurance policy to ensure it aligns with your business's current operations and risks. Customize coverage to match your specific property needs, avoiding over-insurance while addressing critical areas of risk.

Implement safety measures, security systems, and maintenance practices to reduce the risk of property damage or loss. Insurers often offer lower premiums to businesses with strong risk management practices.

Safety Measures

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Frequent Questions About Commercial Property Insurance

Insurance can be complicated and confusing. We’re here to help answer your most common questions about commercial property insurance coverage.

In most cases, commercial property insurance is not required by law. However, if you have a mortgage on your commercial property, your lender may require you to maintain insurance to protect their interest.
The specific perils covered can vary depending on the policy. Common covered perils include fire, lightning, windstorms, hail, theft, vandalism, and certain types of water damage. Coverage for earthquakes and floods may require separate policies.
Business interruption insurance, often included in commercial property policies, helps cover lost income and operating expenses when your business is unable to operate due to a covered event. It's especially important for businesses that rely heavily on their physical location.
Liability coverage is typically a separate policy, such as general liability insurance. While it's not included in commercial property insurance, it's essential for protecting your business against third-party injury or property damage claims.

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More Coverage Options

Commercial Real Estate Insurance

Protect your property investment from a wide range of risks, including property damage, liability claims, and income loss.

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Construction Insurance

Confidently protect your building projects large and small.

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Umbrella Insurance

An extra layer of financial protection that extends beyond the limits of your primary insurance policies.

Learn More

Kind Words from Our Customers:

Ciarra Flint

★ ★ ★ ★ ★
Kyle and Jen are incredible! They walked me through the whole process and were so patient with all of my questions and fully explained everything to me! Thank you so much!
AJ Johnson

★ ★ ★ ★ ★
The entire staff at Manna Insurance is personable and professional. Rare these days. We are very satisfied with our new policies. We highly recommend Manna!
Emily Kooistra

★ ★ ★ ★ ★
Last year my home suffered some roof damage due to wind storms. Daniel and Kailey were quick to offer help in any way. Both went above and beyond in communicating with the insurance company to ensure that I was taken care of quickly and efficiently. I would highly recommend Manna Insurance to my family and friends!