Your landlord's policy covers the building — not your build-out, equipment, or inventory inside it. Commercial property protects what you invested in. We shop it across carriers for San Jose and Bay Area businesses. Bilingual agents.
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No broker fees on standard policies · Bilingual · Se habla español
Mon–Fri 10am–6pm · Sat 10am–3pm · Se habla español
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Commercial property insurance protects the physical things your business owns from losses like fire, theft, vandalism, and certain kinds of damage. For most San Jose businesses the biggest misunderstanding is about leased space: if you rent, your landlord's policy covers the building structure, but it does not cover what is inside — your build-out, your equipment, your furniture, your inventory. Those are yours to insure, and in a place with Bay Area commercial rents and build-out costs, that investment is substantial. As an independent broker we shop commercial property across carriers and size it to what you actually have at risk.
The detail that decides whether a claim leaves you whole is replacement cost versus actual cash value. A replacement-cost policy pays what it costs to replace your equipment or inventory with new equivalents. An actual-cash-value policy pays the depreciated value — after subtracting wear and age — and almost always leaves you short when you go to rebuild. Most owners never check which one they have. We do, and we make sure your property is insured for the right amount on the right basis.
Covers the tenant improvements you paid for in a leased space — your landlord's policy won't.
Protects the equipment and furnishings your business runs on against fire, theft, and damage.
Covers the inventory and stock you have invested in, on premises.
Pays to replace property with new equivalents — versus depreciated actual-cash-value that leaves you short.
Pairing property with general liability in a BOP usually costs less than buying separately.
Add coverage that replaces income if a covered loss forces you to close temporarily.
Bay Area commercial space is expensive, and so is everything a business puts into it. A restaurant's kitchen build-out, a salon's stations and equipment, a shop's inventory, a contractor's stored materials, an office's computers and furniture — these represent real money, and a single fire or break-in can wipe out years of investment. Commercial property is what stands between that loss and your ability to reopen. We write it for businesses across San Jose, Santa Clara County, and Marin, sized to what each operation actually has on premises.
We also catch the gaps that hurt at claim time. Are you insured for replacement cost or actual cash value? Is your build-out covered, or only your equipment? Did your inventory grow past the limit you set two years ago? Is there business-interruption coverage to keep income flowing if you have to close? Because we are independent, we review these across carriers, in English or Spanish, and adjust the policy as your business changes.
Our San Jose office at 25 N. 14th St. on the East Side writes commercial property for businesses across San Jose, Santa Clara, Sunnyvale, Milpitas, and Campbell, and serves Marin businesses through our San Rafael office. We walk through what you own and what you have invested in your space, set the right limits and basis, and pair it with liability in a BOP when that saves you money.
We are open Monday through Friday 10am to 6pm and Saturday 10am to 3pm. Walk in, call, or start online. There are no broker fees on standard policies, we accept ITIN numbers, and we do not ask about immigration status. We work bilingually in English and Spanish, so any owner can understand exactly what their property policy covers — and what it would actually pay.
Walk in or call — we'll insure your property for the right amount and shop it across carriers.