Commercial Property Insurance in Washington

Protect Your Space, Equipment, and Inventory—Inside and Out

Whether you own your building or lease a space, commercial property insurance protects the physical assets your business depends on. From fire and theft to storms and vandalism, this coverage helps you recover quickly and keep operations running.



At Strategy Insurance Brokers LLC, we help Washington businesses—from contractors to shop owners—secure commercial property insurance that reflects the value of what they’ve built. Whether you’re covering a storefront, a workshop, or a full inventory, we’ve got you.

What Does Commercial Property Insurance Cover?

Buildings & Structures

Coverage for owned buildings, including offices, warehouses, shops, or garages.

Contents & Equipment

Protects business property such as tools, furniture, computers, machinery, and inventory.

Business Interruption

Reimburses lost income and operating expenses if your location becomes unusable due to a covered event.

Outdoor Fixtures

Includes signage, fencing, and detached structures, where applicable.

Tenant Improvements

Covers upgrades or customizations you’ve made to a leased space.

Who Needs Property Insurance?

Any business with a physical location or valuable business property needs commercial property coverage. We regularly write policies for:


  • Contractors with workshops or tool storage
  • Auto repair shops and service centers
  • Retail stores and showrooms
  • Manufacturing and production facilities
  • Professional offices and co-working spaces

Commercial Property FAQs

  • Is commercial property insurance required?

    While not required by law, lenders and landlords may require you to carry it. Even if not mandatory, it’s strongly recommended for any business with physical assets.

  • What’s the difference between commercial and homeowners insurance?

    Commercial property insurance is built for business risks—including equipment, inventory, business interruption, and tenant improvements. Homeowners insurance won’t cover business use of a space.

  • Does it cover theft or vandalism?

    Yes—most commercial property policies include protection for theft, burglary, and vandalism, in addition to fire, storm damage, and more.

  • What if I lease my space?

    We’ll help you insure what’s yours—like tools, furniture, and build-outs—while also reviewing lease terms to identify any gaps.

  • Is equipment covered under property insurance?

    Stationary equipment, fixtures, and even expensive electronics can be covered. For portable tools and jobsite gear, we recommend adding inland marine coverage.

  • Can I combine this with liability or business interruption coverage?

    Absolutely. Many businesses choose to combine property and liability coverage in a BOP. We’ll tailor your policy to cover what matters—without overpaying for what doesn’t.