Commercial Property
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Commercial Property Insurance
Commercial Property Insurance in Jacksonville & North Florida
At Augustyniak Insurance Group, we help business owners across Jacksonville, Orange Park, St. Augustine, and all of Florida to find the right policy for their buildings, equipment, inventory, and more. As a local independent agent, we compare multiple insurers to bring you the best value and coverage.
Whether you own a small storefront, an office building, or a warehouse, commercial property insurance helps protect your business from unexpected damage or loss. From windstorms 🌬️ to fire, theft, or vandalism, this coverage is designed to keep your property — and your business — on solid ground.
🛡️ What Does Commercial Property Insurance Cover?
1. Buildings & Structures
Own a commercial building in Jacksonville, Duval, Clay, or St. Johns County? Make sure you’re covered for full replacement cost — not just market value. We recommend getting a third-party appraisal to avoid being underinsured. We’re happy to help you review your current coverage and identify any gaps.
đź’¸ Replacement Cost vs. Actual Cash Value (ACV)
Replacement cost pays to rebuild your building at today’s prices. ACV deducts depreciation, so your payout could be much lower. We typically recommend replacement cost — and can help you determine the right coverage for your location and building age.
2. Business Personal Property
This coverage includes furniture, equipment, tools, inventory, and other items inside your business location. If you transport equipment off-site frequently, we’ll recommend adding inland marine coverage for full protection.
3. Business Income (Interruption Coverage)
If your business has to temporarily shut down due to a covered event like a fire or hurricane, this coverage helps replace lost income and ongoing expenses like rent or payroll. It may also apply if local authorities restrict access to your area.
4. Flood Insurance
Standard commercial property policies typically exclude flood damage. If your building is located in a high-risk flood zone or near the coast — especially in places like Jacksonville Beach or St. Augustine — you’ll need a separate flood insurance policy.
5. Electronic Data Processing (EDP) Coverage
If your business relies on computers, servers, or other digital infrastructure, EDP coverage protects against damage from power surges, viruses, and more. Most basic policies don’t include this, but we can help you add it if needed.
Protect Your Business Property Today
Get a personalized commercial property insurance quote from a local Florida expert you can trust.
Protect Your Business Property Today
Get a personalized commercial property insurance quote from a local Florida expert you can trust.
Request a Quote🏢 Who Writes Commercial Property Insurance in Florida?
We work with many of the top-rated commercial carriers in Florida, including Auto-Owners, Nationwide, Bankers, Lloyds of London, and others. Whether your building is inland or near the coast, we help match your risk profile with the right insurer — one with A-rated financial strength and strong claims support.
🌟 Why Work With Augustyniak Insurance Group?
We understand the risks Florida businesses face — from wind and flooding to rising construction costs. Our team takes the time to understand your unique needs and find the right policy to protect your building, income, and assets. And because we’re based right here in Jacksonville, we’re just a call or visit away when you need us.
Augustyniak Insurance Group has been serving Jacksonville and North Florida businesses since 2005. With over 2,000 five-star Google reviews, we’ve built a reputation for personalized service, deep industry knowledge, and doing the right thing for our clients.
While we’re based in Jacksonville, our commercial property insurance experts serve businesses across all of Florida — from Tallahassee to Orlando to Tampa. Let us help you find the right policy wherever your business is located.
Let us help you protect what you’ve built. Contact us today for a fast, customized quote for your commercial property insurance.
âť“ FAQs About Florida Commercial Property Insurance
How much does commercial property insurance cost in Florida?
It depends on the size and use of your property, location, coverage limits, and more. A small office building may cost less than a coastal warehouse. We can provide a quick quote tailored to your business.
Do I need flood insurance for my commercial property?
If your building is in a flood-prone area, we strongly recommend a separate flood policy. Most standard commercial property policies do not include flood damage.
What’s the difference between business personal property and building coverage?
Building coverage protects the physical structure. Business personal property covers items like furniture, fixtures, computers, inventory, and tools inside your building.
Is commercial property insurance required by law?
It's not legally required in Florida, but your lender or landlord may require it. Even if it’s not mandatory, it’s essential for financial protection.
Still have questions? Talk to a local agent or request your free quote today. We’re here to help.
Protect Your Business Property Today
Get a personalized commercial property insurance quote from a local Florida expert you can trust.
Protect Your Business Property Today
Get a personalized commercial property insurance quote from a local Florida expert you can trust.
Request a Quote
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