Insurance
Commercial Property Insurance
Protect your business and your bottom line with customized property insurance designed for California business owners. Whether you own an office, restaurant, warehouse, or retail space, we'll help you protect what keeps your business running - with local support you can trust.
Rated 4.9 out of 5
Based on 50+ reviews
Covers property damage
Protects buildings, equipment, and inventory against fire, theft, storms, and more.
Keeps operations moving
Covers lost income and extra expenses after a covered event.
Meets lease or lender requirements
Required for many commercial leases and financing agreements.
Peace of mind for business owners
Run your business confidently, knowing your assets are protected.
Commercial Property Insurance made simple
Personalized coverage. Trusted local guidance.
At Kwan Insurance Services, we help you find the property insurance that truly fits your business. Whether you run a small business, manage an office, or operate out of a warehouse, we work with you to choose the right coverage that protects your building, equipment, and livelihood. Property insurance is essential for business continuity. It protects you financially from losses due to fire, water damage, theft, vandalism, and other risks. That way, you can focus on running your business instead of recovering from disaster.
With access to leading commercial insurance carriers, we compare quotes, explain your options clearly, and guide you through every step – so you don’t have to figure it out alone. As your personal advisor, we make property insurance simple, transparent, and tailored to you.
Built on trust. Backed by experience.
Here’s why people choose us for their Commercial Property Insurance
- Family-owned with personal, honest service.
- 30+ years of local insurance expertise.
- We compare top carriers to save you money.
- Support in English, Cantonese, and Mandarin.
Build a policy that works for you
Popular Commercial Property Insurance coverage
We make it easy to understand your choices. Explore the coverage options to secure your property and business operations.
Find the right coverage at the right price
Get your free quote in minutesWhat is Commercial Commercial Property Insurance and how does it work?
Property insurance is a policy that helps cover physical assets owned by your business like your building, inventory, and equipment if they are damaged by a covered event such as fire, storm, theft, or vandalism. You pay a monthly premium, and in return, the insurance company helps cover the costs if something happens.
See state-specific insurance exceptions
Coverage and requirements may vary by state. Check with us to see what applies in your area.
Why having Commercial Property Insurance matters
Your building, inventory, and equipment aren’t just assets, they are the foundation of your business. One unexpected loss can stop operations or wipe out your savings. Property insurance gives you the confidence to grow your business, knowing you’re protected from costly disruptions.
What’s typically covered by Commercial Property Insurance?
Most insurance policies include: damage to your building (owned or leased), theft or damage of furniture, tools, and supplies, and loss of income during business closure. You can also add coverage for fire, vandalism, storms, burst pipes, and more, equipment breakdown, and property in transit or stored off-site (which is optional).
Optional coverages and special insurance options
Beyond the basics, you can customize your policy with extra protection. Options like flood or earthquake insurance, cyber liability, ordinance or law upgrades, spoilage or temperature-sensitive inventory, builders risk for renovations or new builds, and tenant improvements and betterments.
How we help you choose the right coverage
As your local broker, we listen first. We get to know your situation and guide you through your options, making sure your coverage fits your needs and budget. Whether you want maximum protection or the essentials, we’re here with honest advice and personal service.
How to get started
Simple steps to the right Commercial Property Insurance
From your first message to ongoing support, getting insured with us is easy. Here’s how we guide you through every step — with clarity, care, and no pressure.
No complicated formsFast, personalized quotes
Step 1
Get in touch
Contact us by phone, email, or online - we’re ready to help.
Step 2
Get tailored Commercial Property Insurance quote
We’ll ask a few quick questions and provide the best options for you.
Step 3
Get honest advice
Not sure what you need? We’ll explain your coverage options clearly.
Step 4
Set up your policy
When you’re ready, we’ll handle all the paperwork and get you insured.
Step 5
Rely on us for support
Have questions or need to file a claim? We’re here whenever you need us.
You’re in good company
See how we’ve helped California businesses stay resilient and recover faster.
Rated 4.9 out of 5 by real clients
5 stars service. Karson is a very nice person and good advisor. He is a very helpful person. He helped me find a good package for my car insurance. The monthly premiums for my car insurance were lower, but the coverage was much better. Highly recommend.
Francis Yuen
2 months ago
Karson helped me renew my home and auto policies in a bundle that expanded my coverage without increasing my rates. He gave me honest recommendations based on my needs, was very responsive over email, and had a streamlined system for signing and payment. I would 100% recommend to anyone in California or Oregon!
Sienna Ringgenberg
2 months ago
Great service! They are very attentive and able to find the correct insurance that fit my needs. Victor is a funny guy. He'll make sure you're satisfied.
Hong Kwan
2 months ago
Mr. Kwan is trustworthy. He never makes empty promise.
George Wong
6 months ago
Kwan Insurance removed stress out of sorting through insurance quotes after an out-of-state move. They compared quotes and even checked with my existing out-of-state insurer if they could transfer my policy. Karson was responsive, friendly, and advocated for my best interest by letting me know additional ways to bundle and save money. I strongly recommend Kwan for your insurance needs.
Andrew Collins
6 months ago
Great service by Victor and Karson, covering all my insurance needs!
Curtis Liew
2 months ago
It's hard to get a new homeowners insurance policy in California now as all big insurance companies have stopped giving new policies, considering California is at high risk of wildfires. Karson was amazing to get me an affordable homeowners insurance policy within the same day.
Ajay Soni
6 months ago
"Recently switched my auto insurance and Karson helped me with getting the best rate! I saved about $700 switching to his services. It was fast and hassle free. Karson wasn’t pushy and was really patient when I was shopping around for auto insurance. He was very communicative and have responds quickly. Would recommend him and his team!"
Azaian Cagalingan
3 months ago
I had a truly great experience working with Karson. He was incredibly knowledgeable and took the time to explain everything clearly, patiently answering all of my many questions. He went above and beyond by exploring several different insurance options to find the best fit for my specific needs. What impressed me most was that he also provided helpful tips that significantly improved my understanding of insurance choices. Thanks to his expertise and guidance, I felt completely confident in making my decisions. On top of all this excellent service, I saved nearly $2,000 by switching from Allstate and keeping the same coverage! I highly recommend Karson to anyone looking for a knowledgeable, patient, and effective automobile insurance agent who can truly deliver results.
Richard P
6 months ago
FAQ
Common Commercial Property Insurance questions asked by clients
Get quick answers to the questions we hear most - from coverage basics to claims and costs.
Do I need commercial property insurance if I lease my space?
Yes. Even if you don’t own the building you’re still responsible for insuring you business’s contents, equipment, and potential liability.
What’s the difference between property insurance and general liability?
Property insurance covers things you own; liability insurance covers injuries or damages to others. Most businesses need both.
Can I combine property coverage with other business policies?
Yes! A Business Owner’s Policy (BOP) can bundle property, liability, and more at a lower cost.
Do I need coverage for equipment or tools I take off-site?
Yes, add inland marine coverage for property in transit or used on jobsites.
What happens if I need to file a claim?
Contact your insurance company directly, and we’ll help guide you through the process and paperwork.
Coverage made simple
Helping local businesses stay open, protected, and prepared
- Rated 4.8 out of 5 stars
- 30+ years of expertise
