California Commercial Property Insurance
Comprehensive protection for your business buildings, equipment, inventory, and assets against fire, theft, and other covered perils.
Trusted by 523+ California businesses
Save avg. $3,500/yr
Building Coverage
Protection for your commercial structure, including permanently installed fixtures and equipment.
Business Personal Property
Covers furniture, inventory, equipment, and other contents owned by your business.
Business Interruption
Helps replace lost income if your business is temporarily closed due to a covered loss.
Equipment Breakdown
Coverage for sudden and accidental breakdown of covered equipment essential to your operations.
Types of Property Covered
Commercial property insurance protects various physical assets essential to your business operations.
Buildings & Structures
Your commercial building, including permanently installed fixtures, machinery, and equipment like HVAC systems and built-in cabinets.
Business Personal Property
Furniture, equipment, inventory, supplies, and other contents owned by your business and used in operations.
Tenant Improvements
Upgrades, alterations, and installations made to leased spaces that legally become part of the building.
Covered Perils & Protection
Commercial property insurance protects your business assets against these common risks.
Fire & Smoke
Damage from fires and resulting smoke, including those caused by electrical issues, open flames, or neighboring structures.
Theft & Vandalism
Protection against break-ins, theft of property, and malicious damage to your business premises.
Water Damage
Coverage for burst pipes, leaking appliances, and water damage from certain sources (excluding floods).
Wind & Storm
Damage from high winds, heavy rain, hail, and other storm-related events that impact your property.
Explosion
Protection against damage caused by explosions, whether from building systems or external sources.
Falling Objects
Coverage for damage from trees, debris, or other objects that fall onto your insured property.
Civil Commotion
Damage from riots, civil commotion, and related disturbances that affect your business property.
Vehicle Impact
Protection for damage caused by vehicles or aircraft that crash into your building.
California-Specific Considerations
Special risk factors California business owners should consider when purchasing property insurance.
Wildfire Risk Zones
Properties in high-risk wildfire zones may face insurance challenges including higher premiums or limited coverage options. We help businesses in these areas find appropriate coverage and implement risk mitigation strategies.
How We Help:
- Access to specialized wildfire insurance programs
- Property hardening strategies to reduce risk
- California FAIR Plan options when standard coverage isn't available
Earthquake Coverage
Standard commercial property policies exclude earthquake damage. In California's seismic environment, separate earthquake insurance is crucial for comprehensive protection of your business assets.
Coverage Options:
- California Earthquake Authority (CEA) coverage options
- Private earthquake insurance alternatives
- Customized deductible options to manage premium costs
Why Choose GillKor
We're California's trusted commercial property insurance specialists.
Building Coverage
Protection for your commercial structure, including permanently installed fixtures and equipment.
Business Personal Property
Covers furniture, inventory, equipment, and other contents owned by your business.
Business Interruption
Helps replace lost income if your business is temporarily closed due to a covered loss.
Equipment Breakdown
Coverage for sudden and accidental breakdown of covered equipment essential to your operations.
"GillKor found us comprehensive property coverage that protected our business when we experienced water damage after a storm"
David Chen
Owner - Pacific Plaza, San Francisco
Our Promise
- California-licensed insurance specialists
- Multiple A-rated carrier options
- Personalized risk assessment
- Dedicated claims advocacy support
Protect Your Business Assets Today
Don't leave your valuable business property exposed to risk. Our California commercial property insurance specialists will help you secure the right coverage at competitive rates.
- No-obligation coverage review
- Multiple carrier quotes
- Expert risk assessment
- California-specific solutions
Get Your Free California Insurance Quote
Serving California Businesses Statewide
From San Francisco offices to Los Angeles warehouses, we provide commercial property insurance across all of California's major business centers and industrial areas.
Los Angeles Area
Comprehensive coverage for LA's diverse business market
- • Los Angeles
- • Long Beach
- • Glendale
- • Pasadena
- • Burbank
San Francisco Bay Area
Premium coverage for high-value Bay Area locations
- • San Francisco
- • Oakland
- • San Jose
- • Fremont
- • Santa Clara
San Diego Area
Tailored protection for Southern California's coastal markets
- • San Diego
- • Chula Vista
- • Oceanside
- • Escondido
- • Carlsbad
Central Valley
Affordable coverage for California's agricultural heartland
- • Fresno
- • Bakersfield
- • Stockton
- • Modesto
- • Visalia
Sacramento Area
Capital region coverage with competitive rates
- • Sacramento
- • Elk Grove
- • Roseville
- • Folsom
- • Davis
Inland Empire
Growing market coverage for Riverside and San Bernardino
- • Riverside
- • San Bernardino
- • Fontana
- • Moreno Valley
- • Rancho Cucamonga
Northern California
Specialized coverage for rural and mountain communities
- • Redding
- • Chico
- • Eureka
- • Ukiah
- • Yuba City
Orange County
Premium coverage for affluent Orange County markets
- • Anaheim
- • Irvine
- • Huntington Beach
- • Santa Ana
- • Newport Beach
Central Coast
Coastal protection for wine country and beach communities
- • Santa Barbara
- • San Luis Obispo
- • Monterey
- • Salinas
- • Santa Maria
North Bay
Wine country expertise for Napa and Sonoma regions
- • Napa
- • Santa Rosa
- • Petaluma
- • San Rafael
- • Vallejo
Sierra Nevada/Lake Tahoe
Mountain resort and tourism market coverage
- • South Lake Tahoe
- • Truckee
- • Mammoth Lakes
- • Bishop
- • Grass Valley
Imperial Valley
Desert agricultural region with border community coverage
- • El Centro
- • Calexico
- • Brawley
- • Imperial
- • Holtville
Frequently Asked Questions
Common questions about commercial property insurance for California businesses.
What does commercial property insurance cover?
Commercial property insurance covers physical assets your business owns or leases, including buildings, equipment, inventory, furniture, and fixtures against covered perils like fire, theft, vandalism, and certain weather events. Coverage can include the building structure, business personal property inside, outdoor signage, and sometimes neighboring structures. Most policies offer replacement cost or actual cash value coverage options.
Is commercial property insurance required in California?
Commercial property insurance is not legally mandated by California law, but it is often required by mortgage lenders if you have a loan on your commercial property. Additionally, landlords typically require tenants to carry property insurance for leased spaces. Even when not required, commercial property insurance is strongly recommended to protect valuable business assets from unexpected events.
How much does commercial property insurance cost in California?
Commercial property insurance in California typically costs between $500 and $5,000 annually, though larger properties or businesses in high-risk areas may pay significantly more. Factors affecting your premium include property value, location (including wildfire and earthquake zones), construction type, occupancy, fire protection systems, claims history, and coverage limits. Working with GillKor allows you to compare rates from multiple carriers.
Does commercial property insurance cover earthquake damage?
Standard commercial property policies in California typically exclude earthquake damage. Given California's high seismic risk, separate earthquake insurance should be considered. We can help you obtain coverage through the California Earthquake Authority (CEA) or private insurers. While earthquake insurance is an additional expense, it provides crucial protection in a state with significant seismic activity.
What's the difference between replacement cost and actual cash value?
Replacement cost coverage pays to replace damaged property with new items of similar kind and quality, without deduction for depreciation. Actual cash value (ACV) coverage pays the depreciated value of the property at the time of loss (replacement cost minus depreciation). While replacement cost policies have higher premiums, they provide more complete protection by covering the full cost to replace damaged property.
Does commercial property insurance cover business interruption?
Basic commercial property policies typically don't include business interruption coverage, but it can be added as an endorsement or included in a package policy. Business interruption coverage helps replace lost income and pays for operating expenses if your business is temporarily closed due to a covered property loss. This valuable coverage helps ensure your business can survive significant disruptions.
Still have questions about commercial property insurance?
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