Commercial Property Insurance

Commercial property insurance can help protect your business from physical damage to your property or its contents, including loss of income and expenses from unexpected events caused by fires, vandalism and natural perils including wind, lightning and hail.

Commercial Property Insurance Expertise


Berkley can provide underwriting expertise, superior claims handling and risk management services to meet the needs of a wide variety of businesses. Our capabilities can help minimize your risk during natural or catastrophic events by protecting your building, equipment, inventory and other assets including loss of business income.

Check out our Berkley Locator to discover which Berkley insurance business may be right for your Commercial Property insurance needs.

Property Insurance Can Help Protect Your Business

Without property insurance, your business may be exposed to paying losses or out of pocket expenses due to unexpected events like fire, explosion, theft, wind, hail, or tornado and many other disasters. Our risk management services include on sight inspections, webinars, online safety bulletins, and Insurance to Value tools which can help you understand specific risks from operational and financial perspectives. Our claims professionals are dedicated in improving the claim process by providing transparency, expediting a resolution, and using our technical experience in solving any claim challenge. 


Berkley has the expertise to tailor commercial property insurance solutions, which may include:  

  • Buildings –   for the business buildings and structures 

  • Business Personal Property — for property owned by the business 

  • Personal Property of Others – for property in your care, custody or control 

  • Utility Services — for property loss due to utility interruption. (i.e. water, communication, power) 

  • Ordinance and Law — for costs incurred due to complying with ordinances, standards or laws 

  • Equipment Breakdown – for damage to equipment due to mechanical or electrical breakdown   

  • Business Interruption – replaces lost income that a business suffers due to a covered loss such as fire or other disasters  

  • Extra Expense – covers reasonable and necessary costs that a business may have as result of business interruption loss   

Coverage Extensions typically available: 

  • Debris Removal Expense 

  • Accounts Receivable 

  • Money and Securities (On and Off Premises) 

  • Outdoor Property 

  • Brands or Labeled Expense 

  • Money Orders and Counterfeit Paper Currency 

  • Outdoor Signs 

  • Identity Theft Resolution 

  • Personal Effects and Property of Others 

  • Theft or Damage to Leased buildings 

  • Inventory Spoilage Due to Loss 

  • Newly Acquired or Constructed Property 

  • Valuable Papers and Records 

Berkley Locator

Find your Berkley solution

Choose an industry and/or product to find the best Berkley solution for your needs. Or click Search to view all Berkley insurance providers. 

What Our Customers Say

“I was very fortunate to have Preferred Employers Insurance take over my case. I was at a standstill until their team started handling my situation. The company is great at what they do and anyone else who has the pleasure of working with them will find out the same! Thanks again so very much!”

— Frank V.

Waste Water Operator, Planada Community Service District.

“Berkley One has been amazing!!! You have really gone above and beyond for us and made this very annoying accident as easy as possible.”

— Amy G.

Client in Illinois.

“I am incredibly pleased with the claim management, guidance, consult calls and quality of service we receive from Midwest Employers Casualty. The team is committed to prompt and efficient service - and is readily available for consult calls. The process is effortless, efficient, seamless and productive.”

— Tawanna B.

Senior Benefits Manager, Blue Cross Blue Shield of Michigan.

“Our Berkley Environmental Claims Adjustor has been incredibly responsive to us, and has clearly taken the time to research the particulars of this claim. She has contacted and spoken with our client, and has explained to him and to us what she has been able to determine from her thorough research of the information presented so far in this claim. I am thankful that we have a competent, professional, dedicated, and pleasant-to-work-with adjuster in our corner.”

— Mary F.

Business Manager, Tech Painting Co.