Property Insurance

AmTrust protects your business and its property
with our Commercial Property insurance coverage.

Why Choose AmTrust for Commercial Property insurance?

As an industry leader in small business insurance, we understand how important it is to make sure you are covered. We know that small businesses can be devastated by a workplace injury or a data breach. The same applies for your business property as well. A natural disaster, fire or theft can bring your operation to a halt.

Our dedicated team of professionals is ready to customize a product to fit your needs.


Why do I need Commercial Property insurance?

Commercial Property insurance is crucial for your small business. It protects your building, contents, business income and rental income from commonly experienced losses that include fire, explosion, pipe bursts, storms, theft, vandalism, and flood and earthquake (when this type of coverage has been added to the policy). Commercial Property coverage helps you pay for these types of losses, replaces lost income and helps get your business back to normal.

What does a Commercial Property insurance policy cover?

After a physical loss or damage occurs, Commercial Property insurance protects your building, contents as well as any resulting impact to your business income. For example, it can reimburse you for the cost incurred to replace stolen goods, the repairs resulting from the damage to destroyed property and equipment, the lost income that results and extra expenses needed to get your business back to normal.

If your business property falls victim to a fire, theft or destruction from a natural disaster, Commercial Property insurance protects you against the cost to repair your building, its contents and the loss of income that results in shutting down operations due to a covered event.  

We offer also domestic property and business income insurance that includes equipment breakdown coverage.


AmTrust’s Preferred Property Classes of Business

  • Condominiums and Cooperatives
  • Office Buildings
  • Apartment Buildings
  • Retail Centers
We offer expanded coverage terms and conditions for preferred properties across the county that include enhanced coverages and limits (check with your AmTrust representative for current state availability). We can customize broad coverage options and limits available for Building, Business Personal Property and Business Income.

Is your Commercial Property coverage available as part of a package?


Our Property coverage is available as part of our Businessowners Policy, our Commercial Package Policy or it can be written on a monoline basis.


What coverage endorsements are available?


The Platinum version of our Property Expanded Coverage Endorsement (PECE) provides at least 34 additional or enhanced coverages and limits, plus an additional 11 business income coverages and limits such as:

  • Newly Acquired or Constructed Property – $2,000,000 Building/$1,000,000 Contents up to 180 days
  • Ordinance or Law Coverages B and C – up to $10,000,000
  • Debris Removal – $2,500,000
  • Sewer, Drain or Sump Discharge – $250,000
  • Water Seepage – $25,000
  • Fungus, Wet Rot or Dry Rot – $100,000
  • Tenant’s Liability for Damaged Property – $25,000
  • Fine Arts – $100,000
  • Business Personal Property – Expanded Premises (1,000 feet)
  • Business Income/Loss of Rents Expanded Coverage Option
  • Extended Business Income/Loss of Rents – 365 days
  • Dependent Properties – $250,000
  • Spoilage – $50,000
Optional Property Coverage
  • Flood – up to $10,000,000 in lower hazard flood zones
  • Earthquake – up to $10,000,000 in lower hazard earthquake zones
  • EQSL – up to $10,000,000 in any earthquake zone


What does Commercial Property insurance cost?


Like most insurance policies, the cost will depend on many factors, such as the size of the business and the industry, as well as the risks involved. Contact us today to get a quote.

Benefits for Agents

Our Commercial Property insurance offers flexible and broad coverage and limit options for Building, Business Personal Property and Business Income, allowing you to find the right combination that fit the needs for your clients.

As an appointed agent of AmTrust, you can help your clients get the Property coverage they need to protect their investments, avoid the financial cost difficulty of a business disruption due to damaged property and equipment, as well avoid any resulting income loss due to a covered event. AmTrust works closely with our appointed agents to build a strong relationship and better understand your needs and those of your clients. We can help you design the right policy to give them peace of mind they deserve.

Commercial Property Risk Characteristics

Outlined below are some risk characteristic we prefer when considering Commercial Property coverage:
  • Fully sprinkler protected
  • Non-combustible or better construction
  • Up to $100,000,000 location TIV and up to $40,000,000 for all other construction
  • High-rise buildings up to 30 stories
  • Building age or updates within 25 years