Commercial Property Insurance in Texas

Protect your building. Preserve your business.

Coverage That Safeguards Your Space—and What’s Inside

Your building, equipment, inventory, and furniture are more than just assets—they’re the foundation of your business. At Stieber Insurance Group, we provide commercial property insurance tailored to the unique needs of Texas businesses. Whether you own your space or lease it, we’ll help make sure your property is covered, your risks are reduced, and your operations stay protected.


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What Does Commercial Property Insurance Cover?


From physical structures to the contents that keep you in business, this policy is your first line of defense against loss and disruption.

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Building Coverage

Covers the physical structure of your commercial property from damage caused by fire, storms, theft, vandalism, or other covered perils.

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Business Personal Property

Protects what's inside—furniture, computers, equipment, inventory, and supplies—whether owned or leased.

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Loss of Income / Business Interruption

Covers lost revenue and fixed expenses if your business is forced to temporarily close due to a covered event.

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Equipment Breakdown

Covers repair or replacement of critical systems like HVAC, boilers, and other equipment if they unexpectedly fail.

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Tenant Improvements

If you’ve upgraded a leased space (floors, lighting, fixtures), this covers your investment if those improvements are damaged.

Commercial Property Insurance FAQs

  • Q1: Is commercial property insurance required?

    It’s not required by law, but lenders and landlords often require it. Even if not mandatory, it’s a smart way to protect your investment.

  • Q2: What types of businesses need commercial property coverage?

    Any business with a physical location—retail shops, offices, warehouses, restaurants, and more—can benefit from this coverage.

  • Q3: What’s the difference between replacement cost and actual cash value?

    Replacement cost covers the full cost to replace damaged items. Actual cash value factors in depreciation. We’ll help you choose the right option.

  • Q4: Does it cover damage from floods or earthquakes?

    Not typically. We can add flood or quake coverage separately if needed based on your property’s location.

  • Q5: Can I cover multiple locations under one policy?

    Yes—multi-location businesses can often consolidate coverage for ease and savings.

  • Q6: Can I bundle this with other commercial policies?

    Absolutely. We’ll help you build a business owner’s policy (BOP) or custom package that includes liability, auto, umbrella, and more.

Your Space, Secured

From storefronts to office suites, your space deserves strong protection. Let’s make sure your property is covered—inside and out.


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