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What Is the Average Cost of Commercial Property Insurance?
On average, small business owners pay $1,605 annually, or about $134 a month, for commercial property insurance with The Hartford.1 However, your commercial property insurance cost may be higher or lower depending on several different factors, including your:
- Lugar
- Occupancy
- Fire and threat protection
- Building construction
What Factors Affect the Cost of Commercial Property Insurance?
Insurance companies use several different factors to determine what you pay for commercial property insurance. Your cost for commercial property insurance may be impacted by the following:
How Does My Industry Affect My Commercial Property Insurance Cost?
Your type of industry can be one of the biggest factors that impact the cost of commercial property insurance. If your business’ operations are more hazardous, you’ll need safety features, which can lead to higher insurance costs. For example, a manufacturing company is likely to be exposed to more risks than a technology consultant who works from their home office. To help lower property insurance rates, your business can install safety features like smoke detectors and sprinkler systems.
Regardless of your industry, most small businesses can benefit from having different . With this coverage, your owned or rented building, plus the tools and equipment inside it, will be protected from property damage resulting from fire, natural disasters, theft and other covered events.
What Does Commercial Property Insurance Cost in My State?
Where your business is located is another factor that can have an impact on your commercial property insurance rate. If your business is in an area that experiences natural disasters or severe weather more often than other areas, you may see higher costs for business insurance. Your business can install safety systems to help protect against property damage caused by wind or lightning storms, which may help bring your insurance costs down.
How To Save on Commercial Building Insurance Costs
Commercial property insurance premiums often vary because each business is unique. You can save on insurance while still protecting your business property by:
- Bundling your policies
- Paying your premium annually
- Managing your risks
- Choosing a higher deductible
Última actualización: 21 de marzo de 2024
1,2,3 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
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