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Ameri-First Brokerage Corp

Business Property Insurance

Insurance That Protects the Physical Backbone of Your Business

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Business Property Insurance – Built for Business Owners

Protect your workspace, inventory, equipment, and everything that keeps your business running. Whether you lease or own the space, unexpected events like fire, theft, or vandalism can bring operations to a halt.

That’s why we offer tailored property insurance plans designed for your business type—retail, healthcare, hospitality, or industrial. We help businesses across 40+ states stay protected, recover faster, and focus on what matters: growth.

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Call: 404-909-5581

Licensed in 40+ States
100% Customer Satisfaction Guarantee
Best Coverage for Your Business Needs
We Care—Your Protection is Our Priority
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What does Business Property Insurance cover?

From your office furniture and electronics to fixtures, files, and décor—business property insurance helps safeguard everything that keeps your operations running.
We cover:

  • Physical contents of your business location
  • Equipment, tools, and interior fittings
  • Damage from fire, theft, vandalism, and more

Safeguard Your Commercial Property– Inside and Out

From storefronts and warehouses to offices and restaurants, Ameri-First Brokerage Corp. delivers tailored property insurance solutions for business owners. We help protect the physical location, contents, inventory, and equipment you rely on—so you can focus on growing your company, not recovering from loss.

Already have insurance? Switching is easy

Switching agent/agency allows you better worth for you pocket and service to your accounts and ability to talk with professionals that become your one point of contact, rather than talking to multiple customer service representatives. With our agency you sign up for a professional input/advice that is needed for your particular insurance policy in that time frame. Your trust and benefit is our goal.

We've got answers

Frequently Asked Questions

1.What is business property insurance?

Business property insurance helps protect your company’s physical assets, such as buildings, equipment, inventory, and furniture, against losses due to fire, theft, vandalism, and certain natural disasters.

2.What does it cover?

  • Buildings owned by the business
  • Office furniture and equipment
  • Inventory and supplies
  • Computers and electronics
  • Outdoor signs
  • Fencing and landscaping
  • Loss of income due to property damage (if bundled with business interruption insurance)

3.What’s not covered under this policy?

  • Flood and earthquake damage (separate policies required)
  • Employee theft (covered by a fidelity bond)
  • Wear and tear or mechanical breakdowns
  • Cyberattacks (covered by cyber liability insurance)

4.Is it legally required?

It’s not legally required in most cases, but landlords or lenders may require it if you lease or finance your space or equipment.

5.How much coverage do I need?

That depends on:

  • The value of your physical assets
  • Your location and exposure to risks
  • Your industry’s unique needs

A licensed insurance agent can help you determine the right coverage level.

6.What’s the cost of business property insurance?

Costs vary based on:

  • Property value and size
  • Business location
  • Type of industry
  • Selected deductibles and coverage limits

On average, premiums range from $500 to $2,000 per year for small businesses.

7.How do I file a property claim?

  • Report the incident to your insurer immediately.
  • Document the damage with photos and receipts.
  • Fill out the claim form provided by your insurer.
  • Cooperate with the adjuster’s investigation.
  • Receive reimbursement or repair/replacement as covered.

8.Can I bundle this with other insurance?

Yes. Many businesses choose a Business Owner’s Policy (BOP) which combines:

  • Business property insurance
  • General liability insurance
  • Business interruption insurance

It’s cost-effective and convenient.

9.Who needs business property insurance?

Virtually any business with physical assets can benefit, including:

  • Retail stores
  • Restaurants
  • Offices
  • Warehouses
  • Manufacturers
  • Medical and dental practices

10.How can I get a quote?

You can:

  • Contact a local insurance agent
  • Use an online insurance marketplace
  • Request a quote directly from major insurers

Be ready to provide details about your property, assets, and risk factors.