Commercial Property Insurance for Louisiana Businesses

Protect Your Business Location and Assets-Be Ready for the Unexpected

A major fire, theft, or hurricane could physically devastate your business. With commercial property insurance from State Insurance Services, you're prepared. Our policies protect your building, equipment, inventory, and furnishings so you can recover quickly and keep your business running-even after disaster strikes.

Coverage for Buildings, Contents, and More

Building Insurance

Protects your owned premises from fire, windstorm, vandalism, or other covered events. If you lease, your landlord may require property coverage for improvements or glass.

Business Personal Property

Covers equipment, computers, inventory, and furniture-whether you own or rent your space.

Loss of Income (Business Interruption)

Helps cover lost revenue and ongoing bills if your premises are shut down for repairs after a covered loss.

Wind & Hurricane Coverage

We review your policy for proper windstorm and hurricane protection (important in Louisiana). If you're near the coast, we'll explain any separate wind deductibles or needed wind policies.

Flood Insurance

Standard property insurance excludes flood. We offer commercial flood policies for businesses in high-risk areas.

For Owners and Tenants Alike

Whether you own your building or lease a shop, office, or warehouse, you need property coverage. Most landlords require tenants to insure their build-outs or glass, and your inventory, tools, and computers aren't covered by their policy. Don't leave your assets at risk-one incident could cost more than years of premiums.

Get Full Value for Your Assets

We strongly recommend insuring your property at Replacement Cost. This means your policy pays the full cost to repair or replace damaged property-no deduction for depreciation. Some policies default to Actual Cash Value, which pays less. We'll review your options and make sure you're covered for the real cost to rebuild or replace.

Avoid Costly Surprises-We'll Help You Insure to Value

Property insurance policies often have coinsurance clauses (usually 80-90%)-if you're underinsured, payouts can be reduced. We assist in calculating accurate coverage for your building and contents, and regularly update your policy to keep up with business growth, inflation, or new equipment.

Built for Louisiana's Unique Risks

Hurricanes, severe storms, and theft are facts of life here. We know the local market, from Baton Rouge to New Orleans and coastal areas, and customize your coverage for regional challenges-including business interruption, hurricane deductibles, and flood exclusions.

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Commercial Property Insurance Questions-Answered

  • How does commercial property insurance work?

    It covers your building and contents against losses like fire, storms, and theft. After a covered loss, your insurer pays for repairs, replacement, or lost income (if business interruption is included).

  • Do I need property insurance if I lease a space?

    Yes-your landlord's policy won't cover your inventory or build-outs. Most leases require tenants to carry property insurance.

  • Does it cover hurricane or wind damage?

    In most cases, yes-but some coastal policies have special deductibles or exclusions. We'll review your policy and advise on the best protection.

  • Is flood insurance included?

    No-flood insurance is separate. We'll help you secure coverage if your business is at risk.

  • What about insuring inventory or equipment?

    We help you set limits for stock, machinery, computers, and more-at full replacement value.

Ready to Protect Your Business Assets?

Don't wait until a storm, fire, or theft strikes. Get a custom property insurance review from local experts-make sure your business is ready for whatever comes next.