Business property, made simple

Business property insurance for the space you built.

We compare top-rated carriers to protect your building, equipment, inventory, and income from fire, theft, and the losses that can close a business — in plain English, from a licensed advisor at no cost to you.

A licensed advisor, at no cost to youBuilding, contents, and income coveredTop-rated carriers compared for you

A modern commercial building protected by business property insurance

A small business storefront open for customers

Inventory stored in a business warehouse

A modern office workspace with equipment and furnishings

Business property coverage backed by carriers you know and trust

Every kind of property coverage

One agency, every kind of business property.

Pick the coverage you're exploring to see how it works — then add your ZIP to start. From standalone commercial property to a business owners policy, we place it all.

How it works

Best fit

Important to understand

ZIP code

Now showing . Everything here is tailored to it.

Protect what you have built. Let's find the right coverage.

Compare your options, check the value, and understand every tradeoff with a licensed advisor who's genuinely on your side.

Let's protect my business →

Reviewing OnePoint business property coverage on a phone

How coverage stacks

Cover the basics first. Add only what fits.

Here's the whole idea in one glance: a few core coverages do most of the work, and optional add-ons fill the specific gaps they leave behind.

The simple version

Two jobs. One protection strategy.

Optional add-ons

Supplemental coverage

Helps with specific gaps such as accidents, hospital stays, critical illness, dental, or vision.

✚

Start here

Major medical

Handles broad covered care: doctors, prescriptions, emergencies, hospital care, and surgery.

01Choose major medical first.02Add a cushion only where it fits your life.

Cover by cover

What a property programme can be built to include.

The building is only the start. Here is what each part pays for, so you can see what would keep the business running after a loss.

Your building

Repair or rebuild your structure after fire, storm, or other covered damage.

Your equipment

Replace tools, machinery, and furnishings that are damaged, break down, or are stolen.

Your inventory

Cover stock and supplies lost to fire, water, theft, or vandalism.

Business income

Replace lost income and pay expenses while you cannot operate.

Liability on site

Respond to a customer injury or property damage at your location.

Check my policy for gaps →

Getting covered

Four simple steps to peace of mind.

No jargon, no pressure. We make protecting your business straightforward, start to finish.

Get started

Fill out a quote form or call us

Reach out the way that is easiest. Share a few details about your business and our team takes it from there.

Compare your options

We shop. You choose.

We compare top-rated carriers for the right coverage, value, and discounts for your business.

Select your coverage

Tailored. Clear. Confident.

We walk you through your choices so you select the protection that fits your real exposure and your budget.

Get your policy

You're protected. We're here for you.

Your policy is active and you are covered. Count on us for service and support whenever you need it.

Start with your ZIP code →

5.0 on Google

Trusted by businesses across 18 states.

A perfect 5.0 rating. Here is what getting covered looked like for a few of them.

From the blog

Insights to help you protect your business.

Plain-English guides on commercial property, BOPs, and protecting what you have built — straight from our licensed advisors.

Article

It covers your building and business contents, including equipment, inventory, and furnishings, against losses like fire, theft, vandalism, and many weather events. Most policies also cover lost income while you cannot operate after a covered loss.

A BOP bundles three core coverages, general liability, commercial property, and business income, into a single policy. It is simpler to manage and often costs less than buying each coverage separately, which makes it a good fit for many small to mid-size businesses.

A BOP fits businesses with typical risk that want simplicity and savings. Standalone policies let you size each coverage on its own, which is better for complex or higher-risk operations. We compare both and recommend what actually fits your exposure.

Business income coverage, also called business interruption, replaces lost revenue and helps pay ongoing expenses while you cannot operate after a covered loss. It is built into most BOPs and can be added to a standalone property policy.

It depends on your building value, contents, location, and limits. Because we are independent and compare 70+ carriers, we find the coverage that fits your real exposure at a competitive price. A short conversation gives you a clear number.

See all FAQs →