Commercial Property Insurance in Florida


This is one of the most common business insurance types which provides your commercial property a full range of coverage’s whether you own your building, work at home, or lease your workplace. Commercial property insurance in Florida protects your building from perils such as natural disasters, theft and fire.

What Is Covered By Commercial Property Insurance in Florida?  

It covers your businesses most important aspects such as;

  • Buildings
  • Furniture & Equipment (Including Computers And Phone Systems)
  • Outdoor Sign
  • Satellite Dishes
  • Inventory
  • Tools
  • Your Fence & Landscaping And More.

Determining the Loss

Commercial Property Insurance in Florida pays for losses caused to your business property based on actual cash value or replacement cost of the insured item.

Replacement cost (RC):  It refers to the cost necessary to replace, repair or rebuild property on the same premises, without deducting any cost for depreciation.

Actual cash value (ACV): Cost to replace your old inventory with a new property of similar quality and style, less cost of depreciation.

Who Carries Commercial Property Insurance in Florida?

This type of business insurance is taken by, but are not limited to:

  • Auto Repair/Mechanics
  • Auto Dealers
  • Day Care
  • Bars And Taverns
  • Dental Office
  • Ophthalmologist Office
  • Medical Office
  • Gas Stations
  • Pizzerias
  • Restaurants

What Is Not Covered By Commercial Property Insurance in Florida?

There are many items which aren’t covered by standard CPI and affect your business property insurance costs. In these cases, a different policy or an additional coverage is required. These items include the following, but aren’t limited to:

  • Accounts, debt evidence, bills, currency, notes, money, securities, food stamps
  • Automobiles held in stock, for sale
  • Electronic data
  • Underground drains, flues or pipes
  • Costs to research, restore information on papers or records.

Why Choose Diverse Insurance Group?

Our professional insurance advisers understand the exact level of commercial property insurance coverage in Florida that you need for your great business and our professional insurance underwriters can guide you accordingly.

We cover a broad range of ‘Commercial Property Insurance’ which includes Commercial Insurance, Professional Liability, Contractors Liability Insurance, Business Owers Property Insurance, Workers Compensation Insurance, and General Liability Insurance.

If interested in protecting your dream business, please fill out our ‘Get A Free Quote’ form or simply click here to contact our professional licensed insurance agent.

Suggested Read: How much is home insurance in florida.

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