Commercial Property Insurance

Protect What You’ve Built — Inside and Out

You’ve invested time, money, and energy into your business—your building, your equipment, your inventory. But what happens if a fire, storm, or theft threatens it all?



Commercial property insurance helps cover the physical side of your business. Whether you own the building or lease a space, this coverage protects everything from your structure to your supplies. At Spectrum Insurance, we work with Connecticut business owners to create customized commercial property policies that match your operations—without forcing you to pay for what you don’t need.

What Does Commercial Property Insurance Cover?

A standard commercial property policy can help repair or replace:

Your Building — If you own the structure, it’s protected from fire, weather damage, vandalism, and more

Business Personal Property — Furniture, computers, tools, supplies, inventory—it’s all covered

Fixtures & Improvements — Custom buildouts or upgrades made to your workspace

Loss of Income (Business Interruption) — If a covered event forces you to close temporarily, this helps replace lost revenue

It’s not just about repairing damage—it’s about keeping your business running when the unexpected hits.

Real-World Example: The Late-Night Break-In

Imagine you own a boutique in downtown CT. You come in one morning to find a shattered front window, missing inventory, and thousands in damage to displays and POS systems. Without property insurance, you’re out-of-pocket for repairs and losses—and closed for days, maybe weeks.

With the right commercial property coverage, you get help paying for the repairs, replacing stolen items, and even covering the income lost while your shop is shut down.

Who Needs It?

If you have a physical space—whether you lease, own, or operate out of your garage—you probably need property coverage. That includes:

• Retail shops and storefronts
• Restaurants and food service businesses
• Offices and professional services
• Contractors with warehouses or tool storage
• Health and wellness practices
• Real estate investors and property managers

Even if you rent your space, many landlords in Connecticut require proof of commercial property insurance to sign a lease.

Start Your Quote Today

Please fill out the following information so we can help you get started with a commercial property quote.

Get a Quote Today

At Spectrum Insurance, we compare quotes from top-rated carriers across Connecticut, tailoring coverage to your specific needs, industry, and budget. You tell us what you do—we’ll find the right fit, explain it clearly, and make sure you’re not overpaying.