Commercial Property Insurance 

Commercial Property Insurance for Los Angeles Businesses

If you own or lease commercial space in Los Angeles, commercial property insurance is the foundation of your business protection plan. From fires and theft to burst pipes or vandalism, this coverage helps repair or replace what your business depends on—your building, contents, and equipment.



Whether you run a boutique in Echo Park, manage a warehouse in Vernon, or operate a multi-unit office building in Glendale, we tailor business property insurance in California to match your needs and risks.

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What Does Commercial Property Insurance Cover?

Property insurance typically covers your business’s:

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Buildings

Offices, warehouses, retail stores, or rental properties

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Contents

Inventory, furniture, equipment, supplies

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Tenant improvements

If you’ve made upgrades to a leased space

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Outdoor fixtures

Signage, fencing, exterior lighting

Covered perils often include:

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Fire or smoke damage

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Theft or vandalism

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Wind and hail

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Water damage from burst pipes (but not flood)

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Civil unrest or riots

You can also add coverage for business income (to replace lost revenue if you’re shut down after a covered event) and equipment breakdown (for HVAC, electrical panels, or other essential systems).

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Los Angeles Commercial Properties We Cover

 Derian Insurance works with all types of commercial property owners across Los Angeles and surrounding neighborhoods:

We’ll help you insure the full replacement value of your property and avoid common coverage gaps that many generic policies miss.

Office buildings

Apartment complexes and rental housing

(See Apartment Building Insurance)

Mixed-use buildings

Retail storefronts & strip centers

Warehouses & light industrial space

Owner-occupied and tenant-occupied buildings

Avoid Costly Mistakes with the Right Policy

One-size-fits-all insurance doesn’t cut it—especially in a region as complex as Los Angeles. We help ensure your commercial property policy includes:

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Accurate building valuation

So you’re not underinsured in a total loss

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Ordinance & Law coverage

Covers rebuilding to current code after a claim (critical for older buildings)

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Flood & Earthquake

Not included in standard policies, but available through specialty carriers or state-backed plans

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Coinsurance considerations

We’ll help you understand how underinsuring can impact claim payouts

Why Business Owners Choose Derian Insurance

With over 55 years insuring California properties, we understand the real-world risks building owners face—especially in a market with high values, high rents, and evolving regulations.


We’ll help you evaluate your true property exposure, avoid gaps, and create a commercial insurance program that works long-term. Whether you’re updating an older policy or insuring a brand-new structure, our local team knows how to get it done right.

Common Questions About Commercial Property Insurance

  • Does this policy cover earthquakes or floods?

    Not automatically. Earthquake and flood insurance must be purchased separately. We can help arrange both if needed.

  • What is coinsurance and why does it matter?

    Coinsurance is a clause that requires you to insure your property to a certain percentage of its value (usually 80–100%). If you’re under that threshold at the time of a loss, your claim payout could be reduced.

  • Can I insure my equipment separately?

    Yes. You can add Equipment Breakdown Coverage for things like boilers, HVAC, and other critical systems.

  • What’s the difference between insuring my building vs. contents?

    The building limit covers the structure itself, while contents coverage applies to movable items inside (equipment, inventory, etc.). Both are important for full protection.

Get a Commercial Property Insurance Quote in Los Angeles

Don’t leave your building or business assets exposed. Derian Insurance makes it easy to get commercial property insurance in Los Angeles tailored to your square footage, tenant mix, and risk profile.