Commercial Property Insurance

Your commercial property is one of your biggest business investments — and in Florida, it faces unique challenges. From hurricanes and wind damage to fire, theft, and vandalism, even one event can disrupt your operations and profits.

At Waterfront Insurance, we help Florida business owners, investors, and landlords protect their buildings and assets with customized commercial property insurance designed for Florida’s real-world risks.

Whether you own a small office, multi-unit building, retail plaza, or industrial facility, we’ll build a policy that safeguards your property, income, and peace of mind.

Florida’s dynamic business environment comes with serious exposure — especially along the Gulf Coast and Atlantic regions.

You need commercial property coverage if you:

• Own or lease a building for business use
   
• Operate from a retail storefront, office, or warehouse
   
• Manage investment properties or rental units
   
• Store inventory, equipment, or supplies
   
• Want to protect your income if your building becomes uninhabitable
   

Even if you rent your workspace, your landlord’s policy doesn’t cover your equipment, furniture, or inventory. A commercial property policy ensures your assets — and your revenue — are protected.

Your policy protects against physical damage and financial loss caused by covered events.

Coverage Type What It Protects Building Coverage The structure itself — walls, roof, fixtures, and permanently installed equipment. Business Personal Property (Contents)Furniture, computers, inventory, tools, and supplies. Business Income / Loss of Use Lost income if your business must close after a covered loss (e.g., fire, hurricane damage).Equipment Breakdown Mechanical or electrical failures of essential systems. Outdoor Signs & Fencing Coverage for signage, light poles, fences, or landscaping (optional).Tenant Improvements Upgrades or fixtures you’ve added to leased spaces. Debris Removal & Cleanup Costs of cleanup after a covered loss. 

We’ll tailor your policy to match your property’s construction type, use, and location — ensuring full coverage for hurricane, wind, and fire risks common in Florida.

• Fire & lightning
   
• Windstorm & hail
   
• Explosion
   
• Vandalism & theft
   
• Water damage (excluding flood)
   
• Civil commotion or riot
   
• Aircraft or vehicle impact
   
• Sprinkler leakage
   

Optional coverage can include flood, sinkhole, or ordinance & law upgrades — all especially important in coastal Florida.

Florida properties face a unique mix of challenges:

• Hurricanes & tropical storms – Wind and rain damage from storm surge and debris.
   
• Flooding & water intrusion – Especially in coastal and low-lying areas.
   
• Power outages & electrical surges – Causing spoilage and equipment loss.
   
• Fire & lightning – Year-round exposure.
   
• High repair costs – Building-code upgrades and material inflation.
   

A standard policy may not address every exposure. We’ll help you strengthen your protection with add-ons like wind deductible buy-backs, flood coverage, business interruption, and equipment breakdown insurance.

We provide commercial property insurance across all major sectors, including:

• Office buildings and professional suites
   
• Retail stores, shopping centers, and restaurants
   
• Apartment complexes and condo associations
   
• Warehouses, logistics, and distribution facilities
   
• Manufacturing and light industrial spaces
   
• Mixed-use and investor-owned properties
   
• Churches, nonprofits, and hospitality venues
   

We specialize in coastal, high-value, and multi-location portfolios throughout Florida — including Pinellas, Hillsborough, Sarasota, and Manatee Counties.

Factor How It Impacts Cost Property location & flood zone Coastal and low-lying areas have higher risk and rates. Building construction & roof type Concrete block vs. frame, and roof age, matter greatly. Year built & updates Wind-mitigation upgrades can earn discounts. Occupancy & use Restaurants, retail, and manufacturing carry higher exposure than offices. Coverage limits & deductibles Higher limits and lower deductibles increase premiums. Claims history Prior losses may impact eligibility or pricing. Fire protection & security systems Sprinklers and alarms can reduce costs. 

We’ll compare carriers, analyze inspection reports, and identify available credits — ensuring you get the best combination of protection and pricing.

Wind Mitigation Credits – Roof straps, shutters, and impact glass can reduce windstorm rates.
Bundle Policies – Combine with liability, auto, or umbrella for lower premiums.
Higher Deductibles – Save monthly by assuming more risk for minor claims.
Annual Market Review – Re-evaluate coverage each year as property values or codes change.
Flood Zone Optimization – Use elevation data to qualify for private market discounts.

We’ll walk you through every savings opportunity without compromising your coverage strength.

✔ Florida Coastal Specialists – Deep expertise in wind, flood, and high-value property markets.
✔ Top-Rated Carriers – Access to leading commercial insurers and private flood markets.
✔ Custom Policy Design – Tailored to your building type, tenant mix, and lender requirements.
✔ Fast Certificates – Same-day proof of insurance for leases, loans, or vendors.
✔ Comprehensive Coverage Plans – Combine property, liability, auto, and umbrella for seamless protection.

From a single storefront to a full portfolio of rental properties, we protect the commercial real estate that powers your business.

Don’t wait until a storm or claim to discover coverage gaps.
Let Waterfront Insurance secure the right protection for your property and your business today.

Waterfront Insurance – Florida’s Commercial & Coastal Property Experts.