Commercial Property Insurance in Florida

Protect Your Business Assets & Property

At FLORIDA WE INSURE AGENCY, we know your building, equipment, and inventory are the foundation of your business. Whether you own a storefront, office, warehouse, or rental property, our Florida-focused commercial property insurance helps protect everything you’ve built.

Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

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What Commercial Property Insurance Covers

Each policy is tailored to your type of business and risk profile, but typical coverage includes:

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Building Structure

Coverage for the walls, roof, plumbing, wiring, HVAC, and permanent fixtures

Business Equipment

Computers, tools, machinery, appliances, and tech equipment

Inventory & Stock

Finished goods, raw materials, or merchandise stored on-site

Furniture & Fixtures

Desks, displays, signage, storage systems, and more

Business Interruption

Reimbursement for lost income due to a covered event

Storm & Fire Damage

Protection from common Florida threats like wind, lightning, and fire

Who Needs Commercial Property Insurance?

Any Florida business that owns or leases space should have commercial property insurance. That includes:

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Retail stores, salons, restaurants, and cafés

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Professional offices, legal or medical practices

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Contractors with on-site storage or warehouses

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Real estate investors with rental properties

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Manufacturers or distributors with stock and equipment

Even if you lease your space, your landlord’s policy won’t cover your business property — you need your own policy.

Why Commercial Property Insurance Matters

Storms, fire, theft, vandalism, or accidental damage can severely disrupt business operations — or even shut you down. Florida’s weather adds an extra layer of risk with hurricanes, floods, and wind damage.


Commercial property insurance helps you recover fast by covering repair or rebuilding costs after a disaster, replacement of damaged equipment or inventory, lost income due to forced closure or disruption, and liability exposure tied to property conditions.

Why Choose FLORIDA WE INSURE AGENCY for Your Property Coverage

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30+ Carriers Compared 

We shop the top Florida business insurers to find the best coverage for your property type.

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Built for Florida’s Risks 

We understand the unique exposures of wind, hurricanes, and high-value commercial properties.

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Annual Policy Review

As your property value or inventory grows, we make sure your coverage keeps up.

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Free Legal Support for Claims

If your property claim is denied or underpaid, our in-house legal team steps in — at no cost.

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Local Commercial Agents

You’ll work with agents who know your region, commercial property risks, and market.

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Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

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Commercial Property Insurance FAQs

  • Is commercial property insurance required in Florida?

    It’s not legally required, but lenders and landlords typically mandate it. Most businesses carry it to protect their physical investment.

  • What’s the difference between commercial property and BOP?

    A Business Owners Policy (BOP) combines commercial property and general liability in one package. We’ll help you choose the best fit.

  • Does this include flood or wind damage?

    Some policies include wind, but flood insurance must be added separately. We’ll help ensure your Florida-specific risks are covered.

  • What if I work from home?

    Home-based businesses often need a rider or separate commercial property coverage — standard homeowners insurance likely won’t cover business losses.

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Service areas

Areas We Serve — Commercial Property Insurance Across Florida

We insure commercial buildings and business property across the Sunshine State, including:

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Commercial Property Insurance in St. Augustine

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Commercial Property Insurance in Jacksonville

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Commercial Property Insurance in Tampa

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Commercial Property Insurance in Sarasota

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Commercial Property Insurance Throughout Florid

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Protect Your Business Property Before It’s Too Late

Fire, theft, or storm damage can set your business back months. Let’s build a commercial property insurance plan that protects your investment and keeps you running no matter what.