Commercial Property Insurance in Toledo, WA

Protection for the Places Where Business Happens

Your business property is more than bricks and beams—it’s where your tools live, your products are built, and your team gets the job done. Whether you own a storefront on Cowlitz Street, a workshop near Napavine, or a shared office space in Chehalis, commercial property insurance helps keep your operations running when the unexpected strikes.



We provide business property coverage across Lewis County, customized to fit your building, contents, and equipment. If a fire, theft, or storm damages your space, you’ll want more than hope—you’ll want help rebuilding, fast.

What’s Covered Under Commercial Property Insurance?

It’s more than just walls—it’s everything inside

Commercial property insurance helps repair or replace your physical assets after a covered event. Whether it’s damage from fire, weather, vandalism, or theft, this policy ensures your recovery is faster—and less expensive.

Coverage Highlights:


  • Building Coverage
     Insures your office, shop, warehouse, or other owned business property.
  • Business Personal Property
     Covers your inventory, furniture, tools, fixtures, and equipment.
  • Equipment Breakdown
     Protects against sudden mechanical failure of essential equipment.
  • Lost Income
     Helps cover ongoing expenses or lost revenue if your property is temporarily unusable.

Who Needs Commercial Property Coverage?

If your business has a physical footprint—you probably do

Any business that owns or leases a workspace can benefit from commercial property insurance. It’s one of the most important policies for brick-and-mortar operations, warehouses, and even home-based businesses with expensive tools or equipment.


Common Businesses That Rely on Property Coverage:


  • Retail & Shops
     Covers merchandise, displays, and the structure if owned.
  • Contractors & Trades
     Shops, garages, or sheds with tools, supplies, and machinery.
  • Office-Based Businesses
     Protects computers, furniture, and signage.
  • Restaurants & Cafes
     Coverage for kitchen equipment, point-of-sale systems, and dining setups.

Tailored Protection Backed by Local Experience

Insurance that understands local business realities

From broken windows to burst pipes, the risks to your property are real. But so is the support you’ll get from our team. We live here. We understand the weather, the claims process, and the urgency of keeping your doors open.


We’ll help you review your space, calculate the replacement costs, and create a commercial property policy that fits your location and budget. Let’s get your business protected—properly.

Property Coverage Questions

Helping You Understand What’s Covered

Simple answers for busy business owners

  • Does commercial property insurance cover theft?

    Yes, most policies include theft of business contents or equipment. Higher-value items may require additional coverage.

  • Do I need this if I lease my space?

    Often yes—especially to cover your inventory and equipment. Plus, your lease may require it.

  • What if I work from home?

    Home insurance rarely covers business property. You may need separate commercial property coverage.

  • What if a storm shuts down my business?

    Policies can include business interruption coverage to help you recover lost income during downtime.

  • Does this cover damage to vehicles or trailers?

    No, those typically need separate commercial auto or inland marine insurance.

Let’s Protect Your Business Assets

We’ll help you insure your building, your equipment, and your ability to keep serving your customers—so you can focus on growing, not rebuilding.

Talk to a Local Agent