American Insurance Agency - Miami

Florida Commercial Property Insurance for Offices, Stores & Buildings

Protect your business’s physical space, equipment, and inventory with tailored commercial property insurance—built for Florida risks.

What Does Commercial Property Insurance Cover in Florida?

Safeguard your Florida business against the most common and costly threats:

Building Coverage

Repairs or rebuilds your office, retail store, or commercial space after fire, hurricanes, or vandalism.

Equipment & Contents

Protects business property—computers, machinery, furniture, POS systems, and inventory.

Loss of Income

Covers lost revenue if your business is forced to close after a covered loss.

Signage & Exterior Fixtures

Includes signs, outdoor furniture, fencing, and landscaping.

Specialized Endorsements

Customize with flood, windstorm, ordinance/law, and other options unique to Florida.

Why Commercial Property Insurance Matters in Florida

  • Coastal Risks & Hurricanes:
    Florida’s coastal locations face higher risks from storms and flooding—our policies are tailored for your region.

  • Industry-Focused Solutions:
    Perfect for hotels, retail stores, churches, offices, and more—protect buildings, contents, and guests.

  • Bundling Benefits:
    Ask about Business Owner’s Policy (BOP) packages, which combine commercial property and general liability insurance for streamlined coverage and potential savings.

  • Claims Support:
    Fast, local response when you need it most—minimize business interruption and keep operations running.

What Affects Your Florida Commercial Property Premium?

  • Coastal location and proximity to water

  • Building age and construction type

  • Wind mitigation features (roof, shutters)

  • Business type and occupancy

  • Security and safety systems

We’ll review every detail to get you accurate coverage and the best possible rate.

Request a Free Property Insurance Consultation

COMMERCIAL PROPERTY INSURANCE

Frequently Asked Questions

  • Does commercial property insurance cover hurricanes in Florida?

    Yes, but coverage may vary by region and carrier. We help you select windstorm and hurricane options to keep your property fully protected.

  • Can I get coverage for inventory and equipment?

    Absolutely. Our policies are designed to cover business property, machinery, and valuable inventory—onsite or in transit.

  • Is flood insurance included in commercial property insurance?

    Flood is not typically included but can be added. We’ll explain flood zone requirements and options for your address.

  • Who needs commercial property insurance in Florida?

    Any business that owns or leases space—hotels, stores, churches, professional offices, and more.

  • How can I lower my commercial property premium?

    Upgrading your roof, adding wind mitigation, and bundling with other policies (like liability) can all help reduce costs.

STILL HAVE QUESTIONS? SPEAK WITH AN AGENT

Protect Your Florida Business Property—Start Today

Secure your building, assets, and future with commercial property insurance built for Florida businesses. Let American Insurance Agency help you find the right policy and support—every step of the way.

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