Commercial Property & Liability Insurance 

Protect your business’s physical assets and financial future with commercial property and liability insurance. Get tailored coverage for buildings, equipment, inventory, and legal risks wherever you operate.

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Protect your business inside and out.

Coverage that keeps your business secure.

Owning a business means protecting your property, employees, and customers. Commercial property insurance covers buildings, inventory, and equipment from fire, theft, and weather damage, while general liability insurance safeguards you against lawsuits, accidents, and customer injuries.

At Stephen Benjamin Insurance Agency, we provide customized commercial property and liability coverage for businesses of all sizes. Whether you lease an office, own a storefront, or operate a warehouse, we’ll help you get the right protection to keep your business running.

Essential protection for your business property and liability risks.

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Commercial Property Insurance

Covers damage or loss of buildings, inventory, equipment, and furniture due to fire, storms, vandalism, or theft.

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General Liability Insurance

Protects against customer injuries, property damage claims, and lawsuits that could put your business at financial risk.

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Business Personal Property (BPP) Coverage

Extends protection to equipment, tools, computers, and office furniture, even if you rent your space.

Understanding commercial property and liability insurance.

Protecting your business requires the right coverage. Here’s what you need to know.

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  • What does commercial property insurance cover?

    Commercial property insurance covers physical assets like buildings, inventory, furniture, and equipment from fire, theft, vandalism, and natural disasters. If your business property is damaged or destroyed, your policy helps cover repair or replacement costs, preventing major financial loss.

  • Why do I need general liability insurance?

    General liability insurance protects your business from lawsuits, medical expenses, and legal fees if a customer, vendor, or visitor is injured on your premises. It also covers property damage claims if your business accidentally damages someone else’s property, ensuring financial protection against unexpected claims.

  • Is commercial property insurance required in Massachusetts?

    While it’s not legally required, many landlords, lenders, and contracts mandate commercial property insurance. Without it, your business could face costly repairs or equipment losses after a disaster. If you lease or own a business location, commercial property insurance is essential.

  • How much does commercial property and liability insurance cost?

    Costs depend on business size, location, industry, and coverage limits. Small businesses typically pay $500–$3,000 annually for general liability insurance and $1,000–$5,000 per year for commercial property coverage. We’ll help you find a cost-effective plan that fits your business needs.

  • Can I bundle commercial property and liability insurance?

    Yes! Many businesses bundle these policies in a Business Owner’s Policy (BOP) to save money. A BOP includes commercial property, general liability, and business interruption insurance, making it a smart, affordable choice for small and mid-sized businesses. We’ll customize the right coverage for you.