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Commercial Property Insurance in Ontario


Do you want to know what Commercial Property Insurance Covers in Ontario? Whether you run a small, mid-size or large business, your business premises is perhaps your biggest and most valuable asset. At any time, this asset is at risk of burglary, fire, damages from natural disasters, or even customer lawsuits. It is vital that you protect your buildings – whether you lease or own them – against these and other risks. Comprehensive commercial property insurance from Zippo Insurance can give you the cover and the peace of mind you seek.

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Commercial Property Insurance

What Is Covered Under a Commercial Property Insurance Policy?

Business property insurance coverage can be customized according to your needs. What you choose to cover depends on the assets you hold, your budget and your protection priorities. Some of the features that are most often included in a commercial property plan are:


1. Structure: cover against loss or damage to your building as a result of fire, flooding and other natural disasters, equipment malfunction and breakage.
2. Contents: You may also include cover for the business assets housed inside your building. The cover protects you against theft, fire and other damage.
3. Business interruption: If you ever need to shut down your operations for any period, your business interruption cover can protect against the resulting loss of productivity.
4. Property in transit: This cover protects you against any losses while you ate moving your property.
5. Equipment: You have probably invested a great deal of your capital in equipment of all kinds – equipment which would be expensive to replace. With this cover, you can replace these assets if they are ever damaged or stolen. 


As you can see, commercial property insurance extends far beyond just the bricks and mortar of your office building, warehouse or factory. Every asset that is essential to your business can fall under your insurance cover, including:


1. Equipment
2. Inventory and supplies
3. Office furniture and fixtures
4. Computers and electronics
5. The personal property of employees while on-site
6. Customer property at your business site
7. Lighting systems
8. Windows
9. Outdoor signs
10. Fencing and landscaping
11. Tools and equipment in transit or used off-site for business purposes.


Zippo Insurance can create a commercial property policy perfectly suited to your business and its particular spread of assets. With a commercial property insurance policy, you can protect your business against every eventuality, including fires, storms, water damage, theft and vandalism. 


For more information on commercial property insurance in Ontario, contact Zippo Insurance today, and let us create the ideal policy to cover your most important business assets.

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