Commercial Property Insurance
Protect the Heart of Your Business
Whether you own a retail shop in Panama City or manage a warehouse in Santa Rosa Beach, your physical assets are essential to your success. Commercial property insurance helps protect your buildings, equipment, and inventory from damage, theft, or disaster—so your business can stay strong, no matter what.
Why Commercial Property Insurance Matters
Protection for Your Buildings and Beyond
Storms, fires, and vandalism can happen when you least expect it. Commercial property insurance helps cover the cost to repair or replace your business’s most valuable physical assets. For Florida businesses, that kind of protection isn’t just smart—it’s essential. We help businesses across Panama City, Santa Rosa Beach, and throughout Florida stay protected from the unexpected.
What Commercial Property Insurance Covers
Building Coverage
Protects the structure of your business, including walls, roof, and permanently installed fixtures. Whether you own a boutique in downtown Panama City or operate a service shop in Santa Rosa Beach, this core part of your
commercial property insurance helps protect your space from costly structural damage.
Business Personal Property
Covers contents like furniture, computers, equipment, and inventory. From tech setups to point-of-sale systems, St. Andrews Insurance ensures your essential tools are protected—keeping your operations running smoothly across Panama City, FL and beyond.
Exterior Signs and Landscaping
Often included or available as an add-on, these help keep your business's curb appeal covered. Protect your visual brand and outdoor investments with coverage that supports your business’s professional image throughout Florida.
Loss of Income (Business Interruption)
Helps replace lost revenue and cover expenses if you’re forced to close temporarily due to a covered event. When disaster strikes, this protection keeps your business afloat—critical for local businesses.
Debris Removal & Cleanup
Covers cleanup costs after a major event, so you can get back on your feet faster. In storm-prone areas like the Florida Panhandle, this added layer of insurance in Panama City, FL helps you recover quickly and safely without absorbing unexpected cleanup costs.
Questions We Hear Most — With Answers
What does commercial property insurance cover in Florida?
It typically covers damage caused by fire, storms, theft, vandalism, and more—but not floods or certain natural disasters. We’ll help you understand what’s included and where to consider supplemental policies.
Is commercial property insurance required by law?
Not always—but if you lease or finance your property, your landlord or lender may require it. Even when not required, it’s a critical layer of protection for your business’s long-term security.
Can I add flood coverage?
Flood insurance is usually a separate policy, but we can add it to your business portfolio. Many businesses in Panama City and Santa Rosa Beach choose this due to local flood risks.
Why choose St. Andrews Insurance for commercial auto?
We know Florida’s risks—hurricanes, high winds, and unexpected curveballs—and we’ll help you build coverage that holds up. With personal service and fast support, we’re here to keep your business steady and secure.
Does commercial property insurance cover natural disasters in Florida?
It depends on the policy. While many commercial property policies cover fire, wind, and hail, flood and hurricane-related damage may require separate coverage. We’ll help you review exclusions and add the right protection based on your location and risk.
Can I get coverage if I rent my business space?
Yes—if you lease your space, you can still protect what’s inside. Commercial property insurance for tenants covers your equipment, inventory, and improvements you’ve made to the space, even if you don’t own the building.
Local Help, Real Answers
Let’s Build a Stronger Foundation
At St. Andrews Insurance, we make commercial property coverage simple and supportive. You’ll get one-on-one guidance, flexible options, and coverage you can count on when you need it most.
