mobile domain:www.usaa.com
Skip to Content

Commercial property insurance for your business assets

Talk with a USAA Insurance Agency commercial specialist.

Call 800-292-8135

For TTY devices, dial 711

Hours of operation for USAA Insurance Agency

Monday to Friday
7:30 a.m. to 6 p.m. CT
Saturday and Sunday
Closed

Note: Days and times may vary.

What’s commercial property insurance?

Also known as business property insurance, it covers the building and property that make up your business, whether you own, lease or work from home. This includes things like your building structure, important documents and other tools you use to run your business.‍ ‍ See note 1

What type of business needs property insurance?

If your business owns or rents anything of value — from lawnmowers to office furniture — you should consider commercial property insurance.

Every business faces risk, from 1 landscaper to hundreds of employees. Fires, storms, theft, vandalism, burst pipes, and even riots can disrupt your business. Commercial property insurance can help cover costs to keep it running.

If your business needs coverage beyond what commercial property insurance can provide, check out our other solutions for small business insurance.

What does commercial property insurance cover?

It can cover your business’s physical assets based on actual cash value, agreed value or what it costs to replace them. These could include:

Buildings

The structure you own or rent.

Business personal property

Computers, refrigerators, inventory and more

Other property features

Signs, glass, fencing and lighting

Other coverages you can add

There are over than 100 ways to customize your policy. Here are some popular options.‍ ‍ See note 2

Business interruption

This can help cover your expenses and lost income if you have to close for an extended period, like if your roof collapses or a storm knocks a tree into your building.

Additional insured

This may extend your coverage to a third party, like a landlord or property manager.

Service interruption

This could help protect your income if you lose electricity from damage that happens off your premises, like downed power lines from a storm.

Civil authority

This may help protect your income if the government denies access to your property because of natural disasters, riots or terrorism.

Why choose us for property insurance?

If you qualify, it takes just a few minutes to quote and buy a USAA policy. We also work with other leading insurance companies, so depending on what you need, we may connect you with another insurance company through the USAA Insurance Agency.

A commercial specialist can help you choose the right amount of protection. If you have questions about a policy, call 800-292-8135.

And if you have to report a claim, you can expect USAA-level support no matter who manages your policy.

An easy way to protect your business

If you need a broader range of coverage, consider a business owners policy, or BOP. It gives you coverage for general liability, property damage and business income — all in 1 policy.

Get a BOP quote

card-pack-authored-content-1

More powerful policies for your company

Commercial auto

Get protection if you use your vehicle for business or have large trucks or fleet vehicles.

Learn more about commercial auto insurance

General liability

Get coverage for common business risks, including bodily injury and property damage.

Learn more about general liability insurance

Commercial cyber

Help protect your business from the cost of cyberattacks and data breaches.

Learn more about commercial cyber policies

Commercial property insurance FAQ

It depends. A few factors affect how much you’ll pay, including the value of your property, type of construction, the type of work you do and where your business is located.

It can. A USAA Insurance Agency commercial specialist can help you choose the right coverage for your needs.

Depending on your business, you have a few options.

First, there’s inland marine insurance. It helps protect business property that’s moved around on land, like equipment, products or parts being shipped by cars, trucks or trains.

If you need coverage for vehicles used for business, like personal vehicles, trucks, trailers, buses and limousines, consider commercial auto insurance.

So, whether you run a food truck, a mobile pet grooming service or anything in between, a USAA Insurance Agency commercial specialist can help you choose the right coverage for your business.

The USAA Insurance Agency has long-standing relationships with many insurance providers. We make sure they meet our standards of service and financial stability. They have dedicated teams ready to ensure USAA members get a great mix of pricing and service.

Advice articles

6 financial considerations for the small business owner

Article: 3 minutes

Read article: 6 financial considerations for the small business owner

What is a business owner policy (BOP) and when do you need one?

Article: 6 minutes

Read article: What is a business owner policy (BOP) and when do you need one?

11 special resources for veteran-owned businesses

Article: 8 minutes

Read article: 11 special resources for veteran-owned businesses

We work to help protect your business.

Talk with a USAA Insurance Agency commercial specialist.

Call 800-292-8135

For TTY devices, dial 711

Hours of operation for USAA Insurance Agency

Monday to Friday
7:30 a.m. to 6 p.m. CT
Saturday and Sunday
Closed

Note: Days and times may vary.

Related footnotes:

  1. The above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.

  2. The coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

  2. Small Business Insurance is underwritten by Garrison Property & Casualty Insurance Company, San Antonio, Texas ("Garrison"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) ("third-party insurance companies"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the "Agency") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer products and services ("third-party insurance products") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.

  3. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

5966614