Commercial property insurance for your business assets

Talk with a USAA Insurance Agency commercial specialist.

Call 800-292-8135

For TTY devices, dial 711

Hours, Opens dialog

What’s commercial property insurance?

Also known as business property insurance, it covers the building and property that make up your business, whether you own, lease or work from home. This includes things like your building structure, important documents and other tools you use to run your business. ^{See note1}

What type of business needs property insurance?

If your business owns or rents anything of value — from lawnmowers to office furniture — you should consider commercial property insurance.

No matter the size or type of your company — from one landscaper to hundreds of employees — every business is exposed to risk. Fires, storms, theft, vandalism, burst pipes, and even riots can disrupt your business. Commercial property insurance can help cover costs to keep it running.

If your business needs coverage beyond what commercial property insurance can provide, check out our other solutions for small business insurance.

What does commercial property insurance cover?

It can cover your business’s physical assets based on actual cash value, agreed value or what it costs to replace them. These could include:

Buildings

The structure you own or rent.

Business personal property

Computers, refrigerators, inventory and more

Other property features

Signs, glass, fencing and lighting

Other coverages you can add

There are more than 100 ways to customize your policy. Here are some popular options. ^{See note2}

Business interruption

This can help cover your expenses and lost income if you have to close for an extended period, like if your roof collapses or a storm knocks a tree into your building.

Additional insured

This may extend your coverage to a third party, like a vendor or subcontractor.

Service interruption

This could help protect your income if you lose electricity from damage that happens off your premises, like downed powerlines from a storm.

Civil authority

This may help protect your income if the government denies access to your property because of natural disasters, riots or terrorism.

Why choose us for property insurance?

If you qualify, it takes just a few minutes to quote and buy a USAA policy. We also work with other leading insurance carriers, so depending on what you need, we may connect you with another insurance company through the USAA Insurance Agency.

A commercial specialist can help you choose the right amount of protection. If you have questions about a policy, call 800-292-8135.

And if you have to report a claim, you can expect USAA-level support no matter who manages your policy.

An easy way to protect your business

If you need a broader range of coverage, consider a business owners policy, or BOP. It provides coverage for general liability, property damage and business income — all in one policy.

Get a BOP quote 

Get a BOP quote for a business owners policy

1. The above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.

2. The coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.

Related footnotes:

1. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

2. Small Business Insurance is underwritten by Garrison Property & Casualty Insurance Company, San Antonio, Texas ("Garrison"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) ("third-party insurance companies"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the "Agency") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer products and services ("third-party insurance products") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.

5952579