Property Insurance for Businesses | Cincinnati Insurance

Customized Coverage Options From the Ground Up

Protect your building and contents with property and inland marine insurance

Your business is your livelihood, and by working with a local independent insurance agent, you can know you have the right insurance for your building and contents. Our standard commercial property policy¹ includes coverages for:

buildings, including additions under construction, permanently installed machinery and building glass
outdoor signs and fences located on your premises
business personal property, including leased business personal property, property in your care for which you are legally liable, and sales samples

For items that are not always in one place, such as computers, mobile equipment and products being transported, we offer inland marine insurance.

¹Property and inland marine coverages are not automatically included in a commercial package policy. They may be purchased separately or combined with other coverages to create a personalized policy.

Man working in a shop serving a customer

Business Personal Property

Your business personal property doesn’t stay in one place, and neither does your coverage. Cincinnati provides coverage for your business personal property while in transit, at trade shows or temporarily at locations you don’t own or lease.

After a covered loss, your policy may pay for the extra costs of:

removing debris of covered property from your premises
cleaning up pollutants from land and water on your premises
taking inventory and preparing claims statements
securing appraisals
recharging fire extinguishers
complying with ordinances or laws when rebuilding or repairing your building

Business Income

Property losses can slow down or even stop your operation until repairs are made – and that may mean lost income. Cincinnati offers several business income coverages that can reimburse your loss of income and necessary extra expenses to keep your business operating after a covered loss.

Inland Marine Coverage

Consider Cincinnati’s Inland Marine Insurance¹ for:

contractors' equipment
builders' risk
transportation coverage
electronic data processing equipment
installation floaters

No matter the value or complexity, Cincinnati works hard to earn your business by providing:

broad coverage forms
competitive products and rates
quick turnaround time on quotes
tailor-made coverages for your unique exposures
experienced inland marine underwriting specialists

Explore More

Find an Agent

Property & Inland Marine Insurance

Customized Coverage Options From the Ground Up

Protect your building and contents with property and inland marine insurance

Business Personal Property

Business Income

Inland Marine Coverage

Explore More

Business Liability Insurance

Machinery & Equipment Insurance

Business Auto Insurance

Crime Insurance