Office Building Insurance Insurance: Average Premiums & Pricing Factors
Quick Answer
How much does Office Building 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 office building insurance — coverage for commercial office properties.
What You Need to Know
Office building insurance covers property, liability, and business interruption for commercial office buildings and properties.
Office Building Insurance Cost by Business Size
| Business Size | Annual Revenue | Typical Premium | Notes |
|---|---|---|---|
| Small Office Building | $500K–$2M | $5,000–$15,000/yr | Basic property and liability. |
| Large Office Complex | $5M+ | $25,000–$100,000/yr | Comprehensive coverage with multiple tenants. |
What Determines Your Premium?
- Building Size (High impact) — Larger buildings with more square footage require higher coverage.
- Tenant Mix (Medium impact) — High-risk tenants (medical, legal) increase liability exposure.