Commercial Property Insurance: What Texas Business Owners Need to Know 

Businesses may face events that damage buildings, equipment or inventory. Without adequate insurance, a single incident can result in high costs or halt operations. Commercial property insurance can provide funds to repair, replace or rebuild after a covered loss, which may help reduce downtime and support business continuity.

What Is Covered by This Policy?

Commercial property insurance covers the physical assets your business relies on. This may include:

• Buildings and structures owned by your business
• Office furniture, computers, and equipment
• Inventory and stock
• Outdoor signage and landscaping
• Fences and storage sheds

Covered risks often include fire, theft, vandalism, windstorms and certain types of water damage.

How Much Does It Cost?

Insurance rates may differ based on numerous factors, including:

• The location and age of your building
• The type of business you operate
• Security and fire protection measures in place
• The value of your assets

When Should I Review My Policy?

Your coverage may need to change as your business grows. A quick review can help keep limits and terms in line with your current needs. You may want to revisit your policy if you:

• Renovate, expand or relocate your building
• Add a new location or warehouse
• Purchase major equipment or machinery
• Increase inventory or store higher-value goods
• Change how space is used (e.g., add production or storage areas)

How Our Team Supports Texas Business Owners

At GEC Insurance Services, we help match your coverage needs by reviewing operations, identifying risks and recommending options. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.