Commercial property insurance in Illinois for your assets
Protect The Things You Rely On
Business property coverage for Illinois owners and renters
Fire, theft, wind, and water damage can shut a business down without warning. Commercial property insurance helps pay to repair buildings and replace contents so you can reopen. Securus Insurance Service helps set replacement cost values and explains deductibles clearly. Pairing property with business insurance keeps your coverage organized and easier to manage.
What Property Policies Include
What commercial property insurance covers
Building coverage applies if you own the structure. Business personal property protects furniture, inventory, tools, and computers. Improvements and betterments cover upgrades you installed in a rented space. Business interruption can replace lost income and ongoing expenses when a covered loss forces a temporary closure.
Owners, Tenants, And Home Offices
Property insurance for renters vs owners
Owners need enough building coverage to rebuild after a loss. Tenants insure their contents and build-outs, since a landlord policy will not replace your gear or stock. Home offices usually need more than a home policy’s small business property limit, especially if you store inventory.
Link Coverage Across Your Plan
Complete protection with the right mix
Property insurance pairs well with general liability for slips and customer injuries, and workers compensation insurance for employee injuries. We will outline how each policy fits so there are no gaps when you need help most.
Common Questions From Owners
Commercial property FAQs for Illinois
Does it cover theft and fire
Yes, both are standard perils, subject to deductibles and limits.
What if I rent my space
You still need coverage for your contents and improvements. Leases often require proof.
Will it cover outdoor signs
Often with a sublimit. We can add endorsements for larger exposures.
