What's at stake
A single fire or flood can pause your business permanently
50% of small businesses that experience a major property loss never reopen. Commercial property insurance doesn't just repair the damage — our business income coverage replaces the revenue you lose while you're getting back on your feet.
What Commercial Property Covers
Building Coverage
Repairs or rebuilds your owned or leased commercial space after fire, storm, vandalism, or other covered events.
Business Personal Property
Furniture, fixtures, inventory, and equipment — replaced at actual cash value or replacement cost.
Business Income
Replaces lost revenue and ongoing expenses (payroll, rent, utilities) while your location is being restored.
Equipment Breakdown
Covers sudden mechanical or electrical failure of key business equipment — HVAC, boilers, production machinery.
Tenant Improvements
Rebuilds upgrades and improvements you made to a leased space — protection landlord policies don't cover.
Outdoor Property
Signs, fencing, landscaping, and outdoor equipment that standard building policies often miss.
Commercial Property Claim Stats
- $30B
Total commercial property losses
US, 2024
- 18 days
Avg Vantage claim resolution
property losses
- 100%
Replacement cost available
no depreciation
- 48 hrs
Business income activation
from date of loss
Burst pipes flooded our studio space during the coldest week of the year. Vantage had a restoration company on-site within 6 hours and our business income coverage kicked in immediately. We didn't miss a payroll.
Studio Owner, Vantage Commercial Customer