How much does commercial property insurance cost?

Small businesses pay an average of $750 to $3,000 per year for commercial property insurance. The cost depends heavily on building value, location, and construction type.

What does commercial property insurance cover?

It covers physical assets like your building, equipment, inventory, and furniture against fire, theft, vandalism, and certain weather events. Flood and earthquake usually require separate policies.

How is commercial property insurance calculated?

Insurers use your property value, occupancy type, construction materials, location, and claims history to calculate premiums. Typically $0.40–$1.00 per $100 of insured value.

Commercial Property Insurance Calculator

Your Numbers

Building replacement value (enter 0 if leasing)

Business personal property (equipment, inventory, furniture)

Business type

State (affects risk rating)

Results

Enter your property values and select your business type to see your estimate.

Estimated Commercial Property Premium

Estimated annual premium
Based on 0.4% base rate with adjustments

Monthly cost

Recommended coverage amount

Commercial property rates are higher in states with elevated hurricane, wildfire, or flood risk. Your actual premium also depends on construction type, age of building, fire protection rating, and your claims history.

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This calculator is for informational purposes only. Results are estimates based on the inputs you provide. Consult a qualified financial professional before making business decisions.