Commercial Property Insurance

Protect your Premises, Real Estate, or Business Tools & Equipment today

Call our office for your free quote on any of the following:

  • Miscellaneous Tools and Equipment (valued at $1,500 or less)
  • Scheduled Tools and Equipment (items $1,500 or greater – requires year, make, model, and identifying number or VIN)
  • Equipment Rental
  • Business Personal Property (BPP)
  • Builders’ Risk/Course of Construction
  • Lessor’s Risk (Commercial Landlord Insurance) • Business Office Property (BOP)
  • Vacant Properties
  • Commercial Buildings
  • ADU Insurance
  • Miscellaneous Business Property

We also offer personal lines, such as dwelling/fire and homeowners. Give us a call to protect your property today.

Overview of Commercial Property Insurance

Protect your company’s assets from disasters such as fire, explosion, storms, theft, and vandalism with Commercial Property Insurance. This important coverage is often the most overlooked until there’s a claim. Don’t wait – protect your property today. Below you will find information about what these policies can cover.


Tools and Equipment Coverage

Protect your miscellaneous tools and equipment with a blanket policy which protects against loss and theft.

Commercial Property Insurance - Bailee's Coverage​

Bailee's Coverage

Protect your customer’s business or personal property when it is in your care, custody, or control with a Bailee’s policy that protects against loss, damage, or theft.

Commercial Property Insurance - Vacant Buildings​

Vacant Buildings

Cover uninhabited buildings you own to protect against vandalism, theft of fixtures, or fire.

Commercial Property Insurance - Construction in Progress​

Construction in Progress

Course of Construction insurance (COC), also know as Builder’s Risk coverage, protects against fire, theft, and vandalism, as well as damage to inventory in transit to the jobsite, while a structure is being built or renovated.

Commercial Property Insurance - Commercial Properties​

Commercial Properties

From apartment complexes to retail and business office spaces, commercial property insurance protects against a wide variety of perils.

Commercial Property Insurance - Business Personal Property (BPP) ​

Business Personal Property (BPP)

Computer office equipment, cash on hand, and office furniture are just a few of the important items you should consider protecting against fire, theft, or flood.

Why You should have Commercial Property Insurance

Commercial property insurance is broad insurance category that contains several sub-categories, many of which are listed above. For many clients, coverage for any of those subcategories are an afterthought. Yet how often to do you hear of tools being stolen out of a vehicle, a break-in at a commercial office where computers have been stolen, or a fire burning down a partially-built structure? We hear about these perils all the time. All of these examples occur on a regular basis, yet many clients are uninsured since these are recommended coverages instead of required coverages.

Don’t wait until the theft, fire, or vandalism happens. There is no obligation to buy, so contact us today. We’ll tailor a quote to what you want covered, and you can decide if it’s worth it for your business.

Why do you need Commercial Property Insurance

Decrease your risk and contact us today for a free Commercial Property Insurance quote.

How much does Commercial Property Insurance cost?

How much does Commercial Property Insurance cost?

Commercial property insurance can vary greatly depending on what type of coverage you need. A tool and equipment policy can start around $700 out the door, while a vacant property policy might start at $1,000, and an apartment complex at $5,000.

Give us a call today to speak with an insurance specialist that will obtain information for your specific needs and provide a firm price for your Commercial Property Insurance.


Request a Free Quote

Request A Free Quote

After hours? Click the button below to complete an online application. You’ll receive a call from an Insurance Specialist the following business day.
Commercial Property Insurance Commercial Property Insurance Agency - CSIA

We’re Here to Help

Your assigned insurance agent will shop your account with several carriers to locate the best coverage for the best pricing, based on your insurance requirements. Quote turnaround is typically within 48 hours. The purchase process is expedited through use of e-signature and e-payment services.

Commercial Property Insurance Commercial Property Insurance Agency - CSIA

Get your Commercial Property Insurance Certificates Quickly and Easily

Certificates of Insurances are typically released within 48 hours of processing your policy. Most have a same-day turnaround.

Additional Questions, Concerns, or Urgent Requests? Give us a call at (619) 741-5118 and speak with a representative today.

About Us

CSIA, Inc. is a woman-owned and operated insurance agency in San Diego, California.

Commercial Property Insurance - About us

We Locate the Best Coverage at the Best Price. That’s Our Trade Secret.

Owner Renee Powell has over 25 years of experience in the construction trade business and has helped hundreds of contractors. Our competent staff helps clients obtain General Liability, Commercial Auto, Workers’ Compensation, Bonding, Property, Excess Coverage, Course of Construction, Tools and Equipment Coverage, and many other construction-related insurance policies. We also insure many other types of commercial businesses, from small nail salons to large real estate investment companies.

We have proudly assisted California contractors and commercial businesses in locating the coverage they need since opening our doors in 2006. We’re here to serve you and help your business stay in compliance with CSLB guidelines and contract requirements. As specialists focusing on the building trades, we understand your unique business has special needs. That’s why we employ a staff of dedicated specialists to help you find the right coverage quickly so you can get on the jobsite.

As an independent insurance agency, we don’t work for the insurance carrier – we work for you. Every member of our staff has been with our agency for over 10 years. We keep your needs in mind as we shop for pricing and coverage at every renewal. You can always expect to hear from us about your policies and options, offering a personal touch not often found with other insurance agencies. Typical response time for all requests is within 24 hours. We can quickly have you quoted, have your coverage in place, and have a certificate in your hand to get you to work. Our duty is always to our client’s best interests. Our extensive knowledge of contractor insurance coverages as well as job contracts will help you find the coverage that best suits your needs. Call today for a free consultation…you’ll be glad you did.

Why Choose Us For Your Commercial Property Insurance Needs?

Prioritizing Your Insurance Needs

Over the years, we’ve cultivated great relationships with dozens of commercial and contractor insurance carriers that help us get better rates and coverages for our clients. As an independent agency, we are not aligned with any single insurance company, allowing us to represent our client when shopping multiple carriers to find the best policy for your needs and budget.

Our Promise to You

All inquiries received during normal business hours will be answered by a live representative who will assist you with your policy, service, and certificate requests, or direct you to the staff member who can. We will always prioritize your policy needs and strive to provide you with unmatched customer service.

We Are a One-Stop Shop

We've got the markets to cover all of your insurance needs! With one phone call or email, you can have one certificate reflecting all of your insurance policies out to your customers that same day. We know you're busy and your time is valuable - contractors are our business. Get construction started without the hassle of waiting for multiple agents to provide certificates of insurance. Trust Contractor Solutions Insurance Agency, Inc. as your one-stop shop for your General Liability, Work Comp, Property, Commercial Auto, and more.

We Locate the Best Coverage at the Best Price. That’s Our Trade Secret.

We understand the challenge of finding affordable insurance coverage in California. At CSIA, Inc. we strive to deliver a combination of both affordability and protection. While there are several inexpensive policy options, they may not properly cover your business. We will always seek to find the best coverage for you at the best price.

We Understand Contractors

Contractor Insurance is our specialty, as you may have guessed. We are experienced in reviewing insurance requirements and quoting policies that will meet all requirements to get you on the job site. Whether it be to add a CG 2037, Primary and Noncontributory Wording, or a Per Project aggregate limit, we handle it all. Many of our policies also include blanket waivers which allow several additional insureds to be added to your certificates of insurance throughout the policy term. This endorsement is crucial for those urgent cert requests that are bound to come in.

Our Happy Clients

Greatest group of Insurance Brokers with fair rates. I have remained with them for the past decade. They have always held my insurance needs as a priority. Always researching the market and checking on best rates and plans before renewals are due. Making all other smaller items a breeze to request and receive. I highly recommend this group, you will not be disappointed, except for the amount of time you spend looking else where.
Davila P
San Jose, CA
My daughter was shopping for car insurance because the rates she was paying were through the roof. Because of the name of this agency, I thought they only quoted contractor insurance but come to find out they offer ALL TYPES of insurance! She contacted CSIA and spoke with an agent named Danielle. Danielle asked her all of the normal questions an agent would ask to include what coverages she currently had and how much she was paying. Danielle called my daughter back the same day and provided her several options, all of which were way better than the coverage she was currently getting from another company. The transaction was smooth, fast, professional, and efficient. Danielle ended up saving my daughter ~$100 mo AND got her MORE COVERAGE! I highly recommend calling this agency to see if they can beat what you're currently paying AND ask for Danielle; she was awesome!
Angela B
Santee, CA
Great customer service! Would definitely refer friends to Contractor Solutions...
Commercial Property Insurance Commercial Property Insurance Agency - CSIA
Troy C
El Cajon, CA
Contractor Solutions is the best! I often need Certs at the last minute and they always come through for me. Every year when we renew they try to find the best coverage for the best price. Their customer service is above and beyond!
Commercial Property Insurance Commercial Property Insurance agency - CSIA
Debbie B
Chesapeake, VA
I was shopping for business liability and commercial auto insurance a little over a year ago. Renee and her team were helpful, explained everything to me, and even shopped around to make sure I was getting the best price when my renewal was due this last month. I am very happy with CSIA and would recommend them to my friends and colleagues. Thank you Renee!
Commercial Property Insurance Commercial Property Insurance agency - CSIA
Dee D
Berthoud, CO
Professional and efficient! Lindsey was an all star and got everything handled with accuracy and attention to detail. I was very impressed with the follow through and communication. Highly recommend!
Commercial Property Insurance Commercial Property Insurance agency - CSIA
Erin J
Lakeside, CA

Frequently Asked Questions About Commercial Property Insurance

At CSIA, we’re committed to helping you find the specific Commercial Property Insurance you need. Below are some of the most common questions asked about this important coverage. If you cannot find the answer to your question here, please contact our expert insurance consultants by phone today at (619) 741-5118.
We are a small business insurance agency with an all-female staff based out of San Diego, California. We provide responses to requests within 24 hours and typically have same-day turnaround on certificates of insurance. All clients have direct access to their insurance agent and will not have to speak with a customer service representative who is unfamiliar with their specific policy needs. Over the years, we’ve developed close relationships with many of our carriers, allowing us to negotiate better pricing for our clients. We prioritize coverage over pricing, meaning we will get you the best coverage for the best pricing available. We will not sell a workers’ compensation policy that provides no coverage to our clients just because it is inexpensive. We contact clients before every renewal to ensure they are quoted correctly for the upcoming policy term and answer any questions they may have. Businesses change and grow, we are here to insure that you protect your growing assets with the correct coverages based on your needs.
Yes, all insurance quotes are free. There is no obligation to bind coverage or to provide a payment in order to receive a quote. With access to dozens of quick-rating products and underwriters who will expedite pricing, we can provide you with the policy that represents the best coverage at the best price. Call for your free contractor insurance quote today!
We can assist you with the cancellation of your workers’ compensation insurance policy if needed. You are under no obligation to remain with our agency after you’ve purchased a policy. However, we offer a wide range of insurance options and many contractors find having all of their lines of insurance appearing on one certificate of insurance makes life easier for them.
Most commercial insurance agents apply a broker fee to a quote, and our office is no exception. However, our fees are always reasonable and spelled out clearly in the terms of the quote. This fee represents the years of knowledge, time, and effort that go into shopping dozens of markets for the best price and coverage, as well as the annual servicing to include: assistance with claims, certificates, policy changes, renewal reviews, and more. There are also many types of policies where an additional fee is not applied, such as most personal lines insurance. We are confident you will agree our services are second to none – call us for a contractor insurance quote today!
Our agency is very familiar with the tool, equipment, and property insurance needs of our insureds. Many of our clients come to us unsure about which policy is right for them, but after a quick phone call with one of our insurance specialists, they are informed of the policy type that will correctly insure their commercial property. All of our employees have 10 years of experience in the insurance industry helping the building and construction trades. When it comes to selling policies, we focus on great coverage at a great price to ensure our clients are protected correctly.
Give us a call at (619) 741-5118 or fill out the online application here.

Request a Quote

Click the button below to complete an online application. You’ll receive a call from an Insurance Specialist the following business day

Women operated independent insurance agency San Diego
We Can Provide Quotes For:

General Liability Insurance, Contractor License Bond Insurance, Workers Compensation Insurance, Commercial Auto Insurance, Tools/Equipment coverage, Builders Risk, Excess Liability, E&O, Special Events coverage, Health insurance, Homeowners/Renters Insurance, Personal Auto, RV, Watercraft/ATV, Motorcycle, Boats, and more. 

Other Nearby Areas We Serve For Commercial Property Insurance