- For Texas businesses with physical assets
- Hurricane, wind & hail exposure
Commercial Property Insurance
Protect the building, the equipment, and the income you'd lose without them.
Commercial property insurance protects your buildings, equipment, inventory, and the income your business produces – from fire, theft, vandalism, weather, and the natural disasters Texas businesses face every year.
- Covers buildings, contents, equipment, and inventory
- Business interruption - pays you while you rebuild
- Texas-specific: wind, hail, and hurricane coverage options
- Owner-occupied, leased, and harder-to-place properties welcome
🏢 Request your free property review
Tell us about your business property – a licensed Texas advisor reviews your coverage. No obligation.
Trusted by Texas businesses since 1983
Property coverage since 1983
Gulf-exposed property specialist
Including specialty markets
Non-renewed & coastal properties
Why commercial property matters
The risks every Texas business should think about.
Property damage is bad. Property damage plus weeks or months of lost income while you rebuild is what actually closes businesses. Here’s what commercial property insurance is built to handle.
Fire & smoke damage
From kitchen fires to electrical faults - fire is the most common cause of total business property losses, and it can wipe out a business in hours.
Wind, hail & hurricane
Texas businesses face some of the highest weather claim costs in the country. Hail, severe storms, and Gulf hurricanes all drive losses - and coverage details matter.
Theft & vandalism
Break-ins, equipment theft, and vandalism are insured under most commercial property policies - but limits and deductibles for theft vary widely.
Water damage (non-flood)
Burst pipes, sprinkler discharge, and roof leaks. Note: external flooding from rivers, storm surge, or heavy rain is a separate flood policy.
Lost income while you rebuild
Business interruption coverage replaces your income, payroll, and ongoing expenses while you can't operate. This is the coverage most owners don't think about until it's too late.
Equipment & inventory
Machinery, computers, furniture, tools, and stock - the contents that make your business actually function. Often worth more than the building itself
What a commercial property policy includes
Buildings, contents, and the income tied to them.
A commercial property policy is built in layers – what’s covered, how it’s valued, and what’s excluded all need to match your specific business. Texas weather exposure adds an extra layer of decisions about wind, hail, and named-storm deductibles.
Coverage details, limits, and exclusions vary by carrier, location, and property type. Flood and earthquake are typically separate policies.
Your building's structure, including built-in improvements and fixtures.
Furniture, equipment, computers, tools, and other contents.
Products, raw materials, and goods held for sale.
Lost income, payroll, and ongoing expenses while you can't operate.
Coverage with specific deductibles for Texas weather exposure.
Build-outs and improvements you made to a leased space.
Who needs commercial property
Any Texas business with physical assets.
If you have a building, equipment, inventory, or a leased space you’ve invested in – commercial property protects the assets and the income they support.
Property owners
Tenants with improvements
Equipment-heavy businesses
Inventory-heavy businesses
Why work with AimBest
Texas property risk is different. We know it.
Hurricane wind, hail belts, Gulf-coast flood zones, named-storm deductibles, and carriers that won’t renew after a claim – Texas commercial property has wrinkles that take years to learn. After 43+ years, we’ve built the carrier relationships to handle them.
Coastal and wind-exposed properties placed with the right specialty carriers.
If your carrier dropped you after a claim, we can often re-place coverage.
We help you get coverage that actually replaces your income, not just guesses.
"Aimbest helped us review our GL and caught a gap that would have hurt us if a claim ever came. The follow-up service has been just as good."
How it works
From first call to covered property -four steps.
Share your property details and current coverage. A licensed advisor follows up.
We evaluate your property exposures and shop carriers – including specialty markets.
Coverage, deductibles, and limits explained in plain language – you choose.
Bind your policy and keep a Texas advisor for claims, renewals, and changes.
Common questions
Commercial property, answered.
Does commercial property insurance cover flood damage?
Not typically – flood is almost always excluded from standard commercial property policies and requires a separate flood policy, often through the National Flood Insurance Program (NFIP) or specialty private carriers. This is one of the biggest coverage gaps Texas business owners discover after a loss. We can place flood coverage alongside your property policy.
What's the difference between replacement cost and actual cash value?
Replacement cost pays what it would cost to replace damaged property with new equivalents today, while actual cash value (ACV) subtracts depreciation – paying you what the property was worth at the time of loss. Replacement cost is more expensive but protects you far better at claim time. We’ll walk through which makes sense for each part of your property.
How does business interruption coverage work?
If a covered event (fire, weather, etc.) forces your business to close temporarily, business interruption coverage replaces your lost income, ongoing expenses (payroll, rent, utilities), and extra costs of operating from a temporary location. It’s typically calculated based on your prior-year financials – getting the amount right matters enormously, because under-insuring it is one of the most common causes of post-claim financial trouble.
What are wind & hail deductibles in Texas?
Many Texas commercial property policies carry separate, often higher, deductibles for wind, hail, and named storms – sometimes expressed as a percentage of the building value rather than a flat dollar amount. In coastal zones, this can be 1%–5% of the insured value. It’s one of the most important details to understand before signing – we’ll explain how it applies to your specific policy.
Can you help if my carrier non-renewed my commercial property?
Often, yes. Non-renewal is common in Texas after weather claims or in coastal areas, and standard carriers aren’t the only option. We work with specialty and excess & surplus (E&S) carriers built for exactly these situations. Bring us your details and we’ll show you what’s available.
Should I bundle property with general liability as a BOP?
For many small to mid-size businesses, yes – a Business Owners Policy bundles GL and commercial property at a lower cost than standalone policies. Larger businesses, higher-value properties, or businesses with complex exposures often need standalone commercial property with higher limits and tailored endorsements. We’ll show you both during your review.
Related coverage
Coverage that often pairs with commercial property.
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Let's make sure your property is properly protected.
Request a free, no-obligation property review – including wind, hail, and business interruption – from a real Texas commercial advisor.