Koosh Insurance · Property & Construction

    Commercial Property

    The kitchen fire. The broken sprinkler that ruined the inventory. The storm that took the roof. Commercial property covers the physical assets your business depends on — your building, your inventory, your equipment, your tenant improvements — and turns those moments from catastrophe into inconvenience.

    See what's covered

    Coverage

    What this coverage includes

    • Building coverage for the structure itself, whether you own it or have improvements as a tenant
    • Business personal property — inventory, furniture, fixtures, computers, machinery, and tools
    • Tenant improvements and betterments — the buildout you paid for in a leased space
    • Property belonging to others that you're holding or working on — a customer's car at your shop, a client's equipment at your warehouse
    • Outdoor signs, fences, and landscaping within policy sub-limits
    • Equipment breakdown for mechanical and electrical failures (often added by endorsement)
    • Ordinance or law coverage for the increased cost of rebuilding to current code after a loss

    Who Buys This

    Who typically buys this coverage

    • Real estate investors and landlords — single buildings, multi-family portfolios, mixed-use properties
    • Retailers and restaurants — inventory and tenant-improvement exposure
    • Manufacturers — high-value machinery and finished-goods inventory
    • Office tenants — furniture, technology, and improvements they paid for
    • Warehouses and distributors — large stock values and significant theft exposure

    Why Koosh

    Why Koosh Insurance

    The difference between a fully paid claim and a partial settlement often comes down to how the policy was written before the loss occurred. We do that work upfront so you don't fight it after.

    Valuation done right. We benchmark replacement cost against current construction figures, not outdated software defaults. Underinsurance is the silent killer at claim time.

    Coastal and wind specialty. Our roots in South Florida mean we genuinely understand wind underwriting, deductible structures, and named-storm exclusions — useful for any storm-exposed property anywhere.

    Carrier breadth. Standard markets for clean risks, surplus lines for older buildings, vacant property, distressed locations, and high-value portfolios.

    Schedule management for portfolios. Real estate investors with multiple properties get a single point of contact and consolidated renewals, not nine policies on nine different dates.

    Loss-control input at quote. Sprinklers, alarms, roof age, electrical updates — all of it changes pricing. We tell you what carriers want before they ask.

    FAQ

    Frequently asked questions

    Replacement cost pays to rebuild with new materials of like kind and quality. Actual cash value depreciates the loss, which usually means a much smaller check. We default to replacement cost unless the building's age or use makes ACV the right call.

    No. Standard commercial property excludes flood. You need a separate flood policy, which we write through NFIP or private flood markets.

    In most states yes — but in coastal areas, wind is often excluded from the base policy and written separately, sometimes with a percentage deductible (2%, 5%, or higher of building value). We map this out clearly before you bind.

    Yes. Their policy covers their property; yours covers the building and any improvements you own. A properly drafted lease specifies who insures what.

    Coinsurance requires you to insure the property to a certain percentage of its replacement value (often 80% or 90%). If you under-insure, the insurer reduces your claim payment proportionally — even if the loss is well under your policy limit. We make sure your limits actually meet the requirement.

    Property covers the physical damage. Business interruption is a separate (but usually bundled) coverage that replaces lost income while you're rebuilding. We recommend almost every commercial client carry it.

    Related

    Related services

    Real Estate & Development

    Coverage for investors, developers, and property managers.

    Builders Risk & Construction Liability

    Construction projects from start to finish.

    Multi-Family & Office Buildings

    Apartments, condos, co-ops, HOAs, and office buildings — including Master Property Insurance.

    This page provides general information about Commercial Property insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.

    Get a quote for Commercial Property

    Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.

    (954) 309-3900
    service@koosh-ins.com
    4491 S State Rd 7, Suite 202, Davie, FL 33314