Building Insurance for Florida & Georgia Businesses

From standalone commercial properties in Fort Lauderdale to multi-tenant office spaces near Atlanta, we help business owners protect the buildings they rely on with smart, flexible insurance options.

What’s Typically Covered

A commercial building insurance policy usually includes protection for:



  • The structure of your building (from fire, storms, vandalism & more)
  • Attached fixtures like HVAC, plumbing & electrical systems
  • Outdoor signage, fencing & landscaping (with certain limits)
  • Business personal property inside the building
  • Loss of rental income if your space becomes uninhabitable due to a covered loss

Whether you own the space you operate out of or rent it to others, we'll make sure your investment is covered.

Add-Ons & Custom Coverage Options

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Ordinance or Law Coverage

Covers costs to bring older buildings up to modern code after a loss

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Flood Insurance

Often excluded, but essential in many parts of Florida & Georgia

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Equipment Breakdown

Protects against loss from HVAC, electrical, or mechanical failure

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Business Income Coverage

Replaces lost income while your building is being repaired


We'll explain what's included in your current policy and what gaps you may want to address.

Businesses & Properties We Work With

We help owners & investors with a wide range of properties:


  • Boynton Beach, West Palm Beach & Boca Raton, FL
  • Fort Lauderdale & coastal South Florida
  • Atlanta, Savannah & Augusta, GA
  • Retail spaces, offices, medical buildings & mixed-use developments
  • Single and multi-tenant commercial properties

Whether you're insuring one building or a portfolio, we'll build a policy around your goals.

Common Questions About Building Insurance

  • Does my policy include tenant damages?

    It depends. Some tenant-caused damage may be covered, especially if accidental. We'll explain where your responsibility begins and ends.

  • Do I need separate coverage if the building is vacant?

    Yes. Vacant properties often require a different policy. Let us know your situation and we'll help you stay compliant.

  • Is flood included in commercial building coverage?

    Usually not. You'll likely need a separate flood policy. We can run a zone check and explain your options.

  • Can I insure a building I lease to others?

    Yes. We'll help you protect the structure, even if you don't run the business inside.

  • What if I'm renovating?

    Depending on the scope, you may need a builder's risk policy. We'll help you get the right coverage in place before work starts.

Why People Choose Us for Building Insurance

Multi-Carrier Options for Better Pricing

We compare commercial building policies from leading insurers so you can choose the right fit - not just the default.

Experience With Complex Property Needs

From South Florida hurricane zones to urban Georgia regulations, we know the risks - and how to manage them.

Personal Support When It Matters

If you ever have a claim or coverage question, you'll speak with a licensed agent who knows your business - not a call center.

Let's Cover Your Commercial Property the Right Way

Whether you're protecting your business location or managing rental properties, we're here to help.

Start your building insurance quote today.