Protect Your Business Space—and What’s Inside It
Commercial property insurance protects the physical assets your business relies on. Whether you own your building or lease a space, this coverage helps safeguard your location, equipment, inventory, and income if a covered event causes damage or disruption.
At B&B Insurance, we help businesses across the southwest Salt Lake Valley set up property coverage that matches how they actually operate—without overpaying or leaving gaps.
Two Core Parts of Commercial Property Coverage
Building Coverage
If you own your building, this covers the structure itself against losses like fire, theft, vandalism, and certain weather events. It can apply to offices, retail suites, warehouses, and more.
Business Personal Property (Contents)
If you rent or own, your contents can be insured. This includes equipment, furniture, tools, inventory, and tenant improvements you’ve paid for inside a leased space.
If you rent, your landlord’s policy does not cover your equipment or inventory—your business still needs its own property coverage.
Business Interruption & Extra Expense Coverage
Property damage doesn’t just affect your space—it can stop your income.
Business Interruption Coverage
Helps replace lost income and cover ongoing expenses (like rent or payroll) if a covered loss forces you to temporarily shut down.
Extra Expense Coverage
Helps pay for costs to reopen faster, such as temporary locations, expedited repairs, or equipment rentals.
These options are critical for businesses that can’t afford extended downtime.
Specialty Coverage Add-Ons for Real-World Risks
Not every business needs the same extras. We help you choose only what fits your operations.
Inland Marine / Tools & Equipment
Covers tools and equipment while in transit or at job sites—essential for contractors and trades.
Equipment Breakdown Coverage
Protects against electrical or mechanical failures to systems like HVAC, refrigeration, or production equipment.
Commercial Crime Insurance
Helps cover losses from theft, employee dishonesty, or funds transfer fraud.
Cyber Liability Insurance
Provides protection for data breaches, cyberattacks, and certain technology-related incidents—especially important for businesses handling customer data.
We’ll explain what each option does, when it makes sense, and when it doesn’t.
What’s Not Covered—and How We Address Gaps
Some losses require endorsements or separate policies, such as:
- Flood or earthquake damage
- Certain water-related losses
- Cyber events (without a cyber endorsement)
Our role is to identify these gaps and show you available options by carrier—so there are no surprises after a loss.
Local Coverage for Businesses Across the Valley
We insure businesses throughout Riverton, Herriman, South Jordan, and Bluffdale—covering everything from office condos and retail suites to warehouses and contractor yards. As a family-owned agency since 1979, we bring local insight and direct agent access to every policy review.
Spanish-speaking support is available, and you’ll always work with a licensed agent—not a call center.
Commercial Property Coverage Questions, Answered
What does commercial property insurance cover for a small business?
It covers buildings (if owned) and business personal property like equipment and inventory, plus certain income losses when paired with business interruption coverage.
Do I need property insurance if I rent my space?
Yes. Your landlord’s policy doesn’t cover your contents, equipment, or tenant improvements.
Does property insurance cover equipment and inventory?
Yes, when business personal property coverage is included.
What is business interruption insurance?
It helps replace lost income and cover expenses if a covered loss temporarily shuts down your business.
Can you quote property and general liability together?
Yes. Many businesses combine them—or bundle them into a Business Owner’s Policy when eligible.
Get Property Coverage That Supports Recovery
A fire, break-in, or equipment failure shouldn’t derail your business. Owners across
Riverton,
Herriman,
South Jordan, and
Bluffdale rely on B&B Insurance for clear answers, tailored coverage, and fast help when it matters.