Commercial Property Insurance in Cincinnati
Protect Your Business Physical Assets
Commercial property insurance covers your building, contents, tools, and inventory from covered perils like fire, theft, wind, and hail. Kyler-Moore Insurance helps Blue Ash and Cincinnati businesses keep operations moving after a loss.
Who Needs It
If you own or lease space for a shop, office, warehouse, or restaurant, you need property coverage. Landlord policies usually do not cover your contents or improvements.
Coverage Details
Building Coverage
Pays to repair or rebuild your structure after a covered loss. Tenants can add coverage for improvements and betterments.
Business Personal Property
Covers furniture, computers, machinery, tools, and inventory at your premises.
Business Interruption
Reimburses lost income and continuing expenses if a covered property claim forces you to pause operations.
Additional Options
Endorsements like Equipment Breakdown, Inland Marine for items off site, and coverage for signs or fences are available.
Common Risks in Our Region
Storms, wind, and winter pipe bursts affect Cincinnati and surrounding suburbs. Property policies address these events, while flood requires separate coverage that we can arrange if your location is at risk.
Insurance Done Differently
Bundle As a BOP
Many small businesses wrap property and general liability into a Business Owners Policy for value and simplicity. Eligibility depends on size and industry, and we will confirm if your business qualifies.
Why Kyler-Moore for Property?
Accurate Valuations
From Sharonville to Mason, we coordinate with trusted contractors and restoration partners when repairs are needed.
Flexible Customization
From retailers to light manufacturing, we tailor endorsements to your equipment and processes.
Frequently Asked Questions About Medicare
Commercial Property FAQs
If I rent space, do I still need property insurance?
Yes. Your landlord insures the structure, not your contents or improvements.
How much coverage should I carry?
We will estimate replacement cost for the building and tally contents so a total loss can be rebuilt and refurnished.
Are flood or earthquake included?
No. Flood and earthquake are not standard. We can add or place separate policies if needed.
What deductible makes sense?
Common deductibles are 1000 to 2500 for small business. We will balance premium and out of pocket comfort.
Does property insurance cover items off site?
Basic coverage applies at the premises. Add Inland Marine to cover tools and equipment that travel.
Take the First Step Today
Get Covered Commercial Property Quotes
Do not let a disaster pause your business
Complete Protection
Ask about bundling property with GL in a BOP for comprehensive protection.
