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888.727.9287
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insuresque.com
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888.727.9287
Talk to a licensed agent
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Protect your property and your business
Commercial Property Insurance covers your buildings, equipment, inventory, and other business assets, helping manage risks and keep operations running smoothly.
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Standard coverages & limits
Every Commercial Property Insurance policy is rooted in the same principle, coverage that steps in when everyday property risks turn into costly claims.
Every Commercial Property Insurance policy is rooted in the same principle, coverage that steps in when everyday property risks turn into costly claims.
Agricultural and farm buildings
Apartment and multifamily buildings
Auto-service facilities and car dealerships
Banks and financial institutions
Construction and partially completed bldgs.
Data centers
Entertainment and event venues
Fitness centers and gyms
Gas stations and convenience stores
Government and municipal buildings
Historic or specialty-use buildings
Hotels and motels
Industrial buildings
Manufacturing facilities
Medical and healthcare buildings
Mixed-use buildings
Office buildings
Parking garages
Restaurants and cafés
Retail stores and shopping centers
Schools and educational facilities
Self-storage facilities
Vacant or unoccupied commercial buildings.
Warehouses and distribution centers
Religious buildings
Up to $100,000,000
Building
Up to $100,000,000
Business Personal Property
Up to $100,000,000
Loss of Business / Rental Income
Equipment breakdown
Covers sudden mechanical or electrical equipment failures.
Inland marine
Protects property transported or temporarily stored away from the premises.
Tenant improvements and betterments
Protects improvements made by a business leasing its premises.
Valuable papers and records
Covers the cost of restoring or replacing important documents.
Annual premiums start from $1,000. Higher limits are available depending on risk profile.
Common endorsements & optional coverages

Standard Commercial Auto policies cover the basics and endorsements let you extend, customize, or raise limits to match your specific business risks.

Loss Payee / Mortgagee
Protect lenders' financial interests by directing claim payments to them when covered property is damaged.
Spoilage
Covers perishable goods damaged by equipment failure or power interruption.
Water backup
Covers damage caused by backed-up drains, sewers, or sump pumps.
Debris removal
Pays costs to remove damaged property after a covered loss.
Signs
Covers damage to indoor and outdoor business signs.
Ordinance or law
Covers certain costs required to repair or rebuild according to updated codes.
How pricing works
Premiums vary by business type, risk level, and coverage details—not a flat rate.
Building age and construction type
Older buildings and riskier construction types typically increase premiums due to greater damage, maintenance, and replacement risks.
Property location and local catastrophe exposure
Properties in catastrophe-prone locations generally face higher premiums due to increased risks from floods, storms, earthquakes, and wildfires.
Claims history
Past claims signal future risk, often raising premiums for properties with frequent losses.
Coverage limits
Higher liability limits and lower deductibles increase your policy's overall annual premium cost.
Occupancy and type of business
Occupancy and business operations affect premiums because hazardous activities increase fire, theft, and liability risks.
Sprinkler and alarm systems
Sprinklers and alarm systems can reduce premiums by detecting hazards early and limiting fire, theft, and property damage.
Who needs Commercial Property insurance?
Building owners and landlords.
Apartment and multifamily property owners.
Nonprofit and community organizations.
Businesses that lease commercial space and have significant business personal property or tenant improvements.
Any business that owns or leases property where a loss could cause significant repair, replacement, or income-loss expenses.
Compare quotes from multiple carriers.
How it works
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Answer a few quick questions about your needs - takes less than 2 minutes
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Receive Multiple Quotes
Instantly compare free, no obligation offers from trusted providers.
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Obtain Your Coverage
Choose the plan that fits and get protected the same day.
                Coverage starts immediately

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Business name
Entity type
Type of Property
Western United Commercial Insurance Services  CA DOI License # 0D69147
1908 South El Camino Real, San Clemente, CA 92672
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