Business Insurance
Protect your company
Protect Your Business, Inside and Out
From buildings to equipment and inventory, our Commercial Property Insurance keeps your business secure against the unexpected.
We serve families & businesses in
GA
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AZ
FL
IL
LA
MD
MI
MS
MO
NJ
NY
NC
OH
SC
TN
TX
VA
Why Commercial Property Insurance Matters
Your business is more than a livelihood, it’s a major investment of time, money, and hard work. But buildings, equipment, and inventory are always at risk from fire, theft, vandalism, or even natural disasters. A single incident could cost thousands, or even force a temporary shutdown. Commercial Property Insurance helps safeguard what you’ve built, protecting your assets so you can focus on running and growing your business with confidence.
What Types of Business Insurance Do You Need?
We offer customized Business Insurance packages, no matter your industry, size, and risk profile.
General Liability Insurance
Protects against claims of bodily injury, property damage, or advertising injury. Required by landlords, clients, or licensing boards.
Commercial Property Insurance
Covers buildings, inventory, furniture, and business equipment.
Available as part of a Business Owners Policy (BOP).
Business Owners Policy (BOP)
Combines general liability + property + loss of income.
Ideal for small to midsize businesses.
Professional Liability (E&O)
Covers mistakes, errors, or omissions in your work.
Essential for consultants, real estate pros, and service-based businesses.
Commercial Auto Insurance
Covers company-owned vehicles or employees using cars for work. Includes liability, physical damage, and hired/non-owned auto.
Workers Compensation
Mandatory in most states once you hire employees.
Covers work injuries, medical costs, and lost wages.
Cyber Liability Insurance
Protects against hacking, data breaches, and digital theft.
Highly recommended for businesses with customer data or e-commerce.
Umbrella Liability Insurance
Adds extra liability coverage above all other policies.
Protects your assets from major lawsuits or claims.
Commercial Property Coverage Options
Protect your building, business personal property, and income from the hits you can see coming and the ones you can’t.
Building Coverage
Protects your physical structure.
Business Personal Property
Furniture, inventory, and equipment.
Business Income & Extra Expense
Replaces lost income after a covered loss.
Equipment Breakdown
Mechanical & electrical failure coverage.
Ordinance or Law
Code upgrade costs after a loss.
Sewer/Drain Backup
Backups that damage interiors.
Flood (Separate Policy)
Rising water from outside.
Spoilage
Perishable goods after power loss.
Utility Services
Off-premises power, water, or comms.
Glass & Sign Coverage
Exterior glass and outdoor signs.
Contractors Equipment / Inland Marine
Tools & equipment on the move.
Debris Removal & Pollutants
Cleanup after a covered loss.
Tailored Coverage for Every Industry
Office Buildings & Suites
Owners and tenants in single- or multi-tenant office properties.
Retail Shops & Boutiques
Brick-and-mortar stores, showrooms, and specialty retailers.
Restaurants & Cafés
Dine-in, takeout, bakeries, coffee shops, and ghost kitchens.
Apartment Buildings & Multi-Family
Garden, mid-rise, and mixed-income properties (5+ units).
Condominiums & HOAs
Association-owned buildings, clubhouses, and common elements.
Medical & Dental Offices
Clinics, urgent care, imaging centers, and therapy practices.
Salons, Spas & Barbers
Studios with build-outs, equipment, and product inventory.
Fitness Studios & Gyms
Studios, training facilities, and boutique fitness spaces.
Warehouses & Distribution
Storage, fulfillment centers, and cross-dock facilities.
Manufacturing & Light Industrial
Plants, machine shops, and fabrication facilities.
Hotels, Motels & Hospitality
Lodging properties, extended-stay, and boutique hotels.
Auto Service & Dealerships
Repair shops, body shops, parts stores, and showrooms.
Churches & Nonprofits
Houses of worship, community centers, and outreach spaces.
Mixed-Use & Strip Centers
Retail/office combos, neighborhood centers, and plazas.
Real Estate Investors & Landlords
LRO, single-tenant NNN, portfolios, and ground-lessors.
Tenants with Build-Outs
Any leased space with improvements, fixtures, or betterments.
Don't see Your Business?
OnePoint covers additional business types not listed
Learn More About Business Insurance
Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Industry-Specific Insurance Solutions
Retail & E‑commerce
Solutions for online and physical stores to boost sales and streamline operations.
Read More →Restaurants & Food Services
Tools to attract diners, manage bookings, and grow your food business.
Read More →Real Estate & Property Management
Support for agents, brokers, and managers to close deals faster.
Read More →Construction & Contracting
Build stronger client relationships and manage projects efficiently.
Read More →Nonprofits & Religious Organizations
Engage communities, manage donations, and grow your mission.
Read More →Beauty & Wellness
Solutions for salons, spas, and barbershops to attract and retain clients.
Read More →Professional Services
For legal, finance, and consulting firms to manage clients effectively.
Read More →Healthcare, Manufacturing, Energy
Industry solutions to scale operations and serve clients better.
Read More →Don’t see your industry? We probably cover it. Ask us
Why Businesses Trust OnePoint Insurance Agency
Fast, personalized quotes
Affordable plans with flexible options
Dedicated agents who understand small businesses
Claims support when you need it most
Learn with OnePoint
Real answers. Straight talk. Insurance made simple.
OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Commercial Frequently Asked Questions
What does commercial property insurance cover?
It typically covers your building, equipment, furniture, and inventory against risks like fire, theft, vandalism, and certain weather damage. You can also add endorsements for things like business interruption coverage.
Is commercial property insurance required by law?
It’s not legally required, but most landlords and lenders will require you to have coverage to protect the building and its contents. Even when it’s not mandatory, going without coverage leaves your business highly vulnerable.
How much does commercial property insurance cost?
The cost depends on factors like location, type of building, value of your property, and coverage limits. A small retail shop may pay a few hundred dollars annually, while larger operations can expect higher premiums.
Does it cover natural disasters like floods or earthquakes?
Standard policies usually don’t cover floods or earthquakes—you’ll need separate policies or riders. Talk with an agent to customize your coverage for your region’s risks.
Can I bundle commercial property with other coverages?
Yes! Many businesses save money by bundling property coverage with general liability or business owner’s policies (BOP). It simplifies your protection and can cut down on costs.
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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