What is commercial property insurance?
Commercial property insurance covers your business's own physical assets, inventory, equipment, and space, against fire, theft, and certain disasters. It matters for sellers who hold inventory in a warehouse, office, or home studio. It protects your property, not third-party product-injury claims.
Get a free quoteWhat commercial property covers, and what it does not.
Covered
- your inventory and stock
- equipment, fixtures, and furniture
- your business premises or studio contents
- losses from fire, theft, and covered perils
Not covered
- third-party product-injury claims (needs product liability)
- goods in a third-party warehouse you do not insure
- flood or earthquake (often separate)
Who needs it
Sellers holding meaningful inventory, equipment, or a physical space, including home-studio makers.
Typical cost
Varies widely with inventory value; small operations often start around $30 to $60/mo.
Where Assureful fits
Coverage priced on your real sales.
Property protects your own stock; Assureful covers your product-liability exposure to customers. Assureful connects to your store, prices product and general liability from actual monthly sales, and issues a marketplace-ready Certificate of Insurance when a platform or buyer asks.
From $26/mo
Pay-as-you-sell insurance
- A-rated underwriters
- 42% less than comparable A-rated insurers (avg)
- Quote in 2 minutes
- No annual forecasts
- Cancel anytime
No obligation. Cancel anytime.
Questions
Commercial property FAQ.
Do I need commercial property insurance if I dropship?+
Usually not much, because you hold little or no inventory. It matters most for sellers storing stock or equipment. Your product-liability exposure to customers is a separate, and for most sellers more important, coverage.
Related coverage
General information, not insurance advice. Source: Insurance Information Institute: commercial property. Reviewed 2026-07-01.