Protect your building, inventory, and everything in between.

Coverage for the Place You Do Business

If you own or lease a space for your business, you need commercial property insurance. Fires, storms, theft, and even burst pipes can shut down your operation if you’re not covered right. At Schutz Insurance, we help Alabama business owners protect buildings, equipment, inventory, and more—with clear guidance and no wasted coverage.

What It Covers

A car is parked in front of a house in the snow.

Building Coverage

Insures the structure itself—whether you own a shop, warehouse, office, or commercial rental property.

Business Contents

Covers furniture, inventory, computers, equipment, and supplies damaged by covered losses like fire or vandalism.

Loss of Income

Helps cover lost income or operating expenses if your business can’t operate due to a covered event.

Frequently Asked Questions

  • Do I need property insurance if I lease my space?

    Yes—your landlord likely covers the building, but you need to protect your business’s contents and liability inside.

  • Is storm damage covered?

    Yes, most policies cover wind, hail, and other storm events. We’ll walk you through what’s included and what’s not.

  • What if I run a home-based business?

    You may still need a commercial property rider or business policy. Homeowners policies don’t always cover business property.

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  • Can I bundle this with liability insurance?

    Yes—we often combine property and liability into one easy-to-manage policy like a BOP. We’ll explain your best option.

  • What’s the difference between replacement cost and actual cash value?

    Replacement cost pays for new items, while ACV factors in depreciation. We’ll help you decide which one fits your budget and risk level.

A storm, theft, or fire shouldn’t put you out of business. With commercial property insurance from Schutz Insurance, you’ll get straightforward coverage that protects your space and everything inside it—backed by real support from local agents who know how quickly business can turn.