How much does Commercial Property Insurance cost? Average premiums by business size, industry, and state — plus the key factors that drive your rate up or down.
Comprehensive FAQ, cost guide, and claims examples for commercial property insurance — coverage for business buildings, equipment, and inventory.
Commercial property insurance covers business buildings, equipment, inventory, and fixtures from fire, theft, vandalism, and weather damage.
| Business Size | Annual Revenue | Typical Premium | Notes |
|---|---|---|---|
| Small Business | Under $500K | $500–$2,000/yr | Basic property coverage. |
| Large Property | $2M+ | $5,000–$25,000/yr | Comprehensive coverage with higher limits. |