A fire, theft, or equipment breakdown can wipe out years of investment overnight. CISA places commercial property insurance for California and Arkansas businesses — covering your building, contents, equipment, and tenant improvements through 40+ A-rated carriers. Get a bindable quote in 15 minutes.
A commercial property policy protects the physical assets your business depends on — from the structure itself to everything inside it.
Covers the physical structure of your business premises — owned or leased — against fire, wind, hail, smoke, and other covered perils. Includes tenant improvements and build-outs.
Protects your equipment, inventory, furniture, computers, and stock — whether you own the building or lease your space. Replacement cost or actual cash value options.
Covers sudden mechanical or electrical failure of boilers, HVAC, compressors, and production equipment — failures that standard property policies exclude.
Replaces lost revenue and pays ongoing expenses when a covered loss forces you to shut down. Keeps you solvent while you rebuild and reopen.
Covers the build-out and improvements you made to a leased space — partitions, fixtures, flooring, and specialized construction that a landlord policy won't cover.
Pays the increased cost to rebuild to current building codes after a covered loss — critical for older buildings where code upgrades can double reconstruction costs.
We structure your policy on replacement cost — not actual cash value — so a partial loss doesn't leave you short. We also coordinate coinsurance limits so you never accidentally underinsure.
Eligible small businesses can bundle property with general liability in a Business Owners Policy (BOP) for big savings. Larger or higher-risk operations need a standalone policy — we recommend the right structure for you.
Most commercial property quotes bind within 24 hours, and our team advocates for you through the claims process so you're back in business as fast as possible.
Commercial property insurance covers your building, business personal property (equipment, inventory, furniture), and tenant improvements against covered perils like fire, theft, wind, smoke, and vandalism. It can also include business income coverage to replace lost revenue if a covered loss shuts you down.
Cost depends on your building's construction type, age, location, occupancy, and the value of your contents. A typical small business pays $500–$2,500/year, but high-value buildings or high-hazard operations cost more. CISA shops 40+ carriers so you get several competitive quotes.
A Business Owners Policy (BOP) bundles property and general liability into one affordable package for eligible small businesses in lower-hazard industries. Larger operations, high-value buildings, or higher-risk occupancies need a standalone commercial property policy — often with broader coverage and higher limits.
Not by default — standard property policies exclude mechanical or electrical breakdown. We add equipment breakdown coverage (formerly called boiler & machinery) to protect against sudden failure of HVAC, compressors, and production equipment.
CISA places coverage across every line your business needs. Explore related policies or talk to a specialist about bundling for savings.
Protect your crew and stay compliant with California labor laws.
Cover bodily injury, property damage, and advertising injury claims.
Built for licensed trades — GL, WC, tools, and bonds bundled.
Guides on compliance, cost reduction, and claims management.
Looking for something specific? Browse all coverage options or call (209) 400-1710
Complete the form below. One dedicated specialist — not a call center, not a team of sales reps — will personally reach out with your options.