Commercial Property Insurance in Texas — Protecting Your Place and Your Assets
Safeguard Your Business From Fire, Theft, and Disaster
Commercial property insurance protects the physical assets your business depends on—your building (if owned), office furniture, computers, machinery, inventory, supplies, and improvements to rented spaces. Covered perils typically include fire, lightning, theft, vandalism, and many weather events (wind, hail, tornado, except flood or earthquake unless added).
If a storm, fire, or break-in damages your property, your policy pays to repair or replace, so you can keep your business running strong.
Coverage at a Glance — And What’s Excluded
Covered:
Buildings and structures (owned)
Business contents: equipment, inventory, furniture, computers
Fixtures and tenant improvements
Signs and outdoor property (if endorsed)
Not Covered:
Flood (separate policy required—ask us about flood insurance)
Earthquake (unless endorsed)
Routine wear and tear, maintenance issues
Tailor Your Protection to Match Your Business
Business Interruption
Add coverage for lost income and extra expenses if a disaster forces you to close temporarily.
Equipment Breakdown
Covers electrical or mechanical failures not caused by external perils.
Inland Marine
For tools, equipment, or property that moves between locations.
Our agents help you choose the right endorsements and coverage options—so nothing slips through the cracks.
Get Full Value and No Surprises at Claim Time
We’ll help you select the right limits and valuation (replacement cost vs. actual cash value) to ensure your assets are fully protected and that your policy meets lease, lender, or contract requirements. Regular policy reviews keep you covered as your business grows—no gaps, no gotchas, just reliable support when you need it.
Ready for Texas Weather — And Texas Business
Texas businesses face real threats from storms, fires, and tornadoes. Willingham Insurance Agency has supported clients in Ballinger, Abilene, and throughout the region through disasters—helping them rebuild, restock, and reopen. Local expertise means you get advice tailored for your community’s risks and regulations.
Your Commercial Property Insurance Questions, Answered
What does commercial property insurance cover?
Buildings, business contents, inventory, equipment, and improvements—against fire, theft, storms, and more.
Is flood covered under a commercial property policy?
No, but we offer separate flood insurance for businesses.
Can you insure my office building in Texas?
Yes—our policies cover offices, shops, warehouses, and other business properties.
How do I insure business equipment and inventory?
We’ll help you list and value your assets, then match coverage to your needs for full protection.
Protect the Place and Things That Power Your Business—Request a Property Quote
Don’t leave your investment exposed. Contact Willingham Insurance Agency for expert advice, a fast quote, and coverage that keeps you open for business.