Commercial Property Insurance for Construction Businesses
Most contractors focus on protecting tools, trucks, and jobsites—but what about your own space?
Commercial property insurance for contractors covers the physical places and assets that keep your construction business running: your office, warehouse, storage yard, and everything inside. Whether you own the building or lease space, this policy helps recover from events like fire, theft, storm damage, and vandalism so you’re not left rebuilding from scratch.
From Office to Yard—Here’s What This Coverage Protects
Your construction company’s workspace likely holds more than just paperwork. A commercial property policy can cover:
- The building itself (if you own it) or improvements to a leased space
- Office contents like furniture, computers, printers, and plans
- Stored materials—pipe, lumber, fixtures, and job inventory
- Stationary tools and equipment kept at your premises
- Fencing, signage, and even outdoor inventory (with the right endorsement)
- Business interruption losses—income replacement and extra expenses if a covered event shuts down your operations
For example: If a fire damages your warehouse and you can’t access your materials, this coverage can help pay for repairs and temporary space, plus lost income while you get back up and running.
Coverage That Fits How You Actually Operate
Construction businesses have unique property risks. Maybe your team stores work trucks indoors, or keeps thousands in materials under a tarp in the yard. Maybe you’ve got job-specific items pre-staged for delivery.
At Calrisk, we’ll help you tailor your policy so it covers:
01.
Outdoor storage areas
02.
Warehoused building materials
03.
Indoor vehicle storage (and coordinate with your Commercial Auto)
04.
High-value equipment that might be better suited to Tools & Equipment coverage
We’ll also make sure you’re not left with gaps between what’s stored at your facility and what’s covered once it hits the jobsite—Builder’s Risk picks up there.
California Realities: Fire Zones & Earthquake Gaps
Southern California brings its own property challenges. If your business is in a high fire-risk zone (like the outskirts of Riverside or hillside areas near Santa Clarita), we’ll make sure fire risk is rated appropriately and explore extra protections.
Most commercial property policies don’t include earthquake coverage by default. We can help you decide whether a separate earthquake policy makes sense, especially if your building sits near a fault line or if your lender requires it.
BOP Option for Small Contractors
If you’re a smaller operation with a leased office or shop, you may qualify for a Business Owner’s Policy (BOP)—a bundled plan that combines general liability and commercial property in one package.
BOPs can offer lower premiums and simplified billing. If it fits your business size and structure, we’ll walk you through that option too.
Real-World Value: Quick Claim Example
One of our clients had a small electrical fire in their Anaheim office. Their commercial property policy not only paid for repairs but also covered rent for a temporary office, letting them meet deadlines and avoid disrupting client projects.
When disaster strikes at home base, you don’t want to scramble.
We’ll Make Sure Your Base of Operations is Covered
We know contractors are focused on fieldwork. But your shop, warehouse, or office is just as important. It’s where schedules are made, materials are stored, and business gets done.
At Calrisk, we help contractors across Southern California—from Orange to Ontario to Oxnard—build a full risk strategy that includes their physical location.
Let’s protect your headquarters
Contact us today for a free review of your property exposure and a quote tailored to your setup.