Commercial Property insurance · Texas
Commercial property coverage for what keeps your doors open
Whether you own your building or lease your space, your equipment, inventory and income need protection from fire, storms and theft.
TexPro Insurance is an independent insurance agency based in Houston, Texas, licensed in Texas only, serving clients across the state with property and casualty coverage.
What it covers
What a Commercial Property policy can include
Coverage varies by carrier and policy form. Here’s what we typically review with you.
Building
The structure you own, or improvements you’ve made to leased space.
Business personal property
Equipment, computers, furniture and inventory.
Business income
Lost income while you can’t operate after a covered loss.
Extra expense
Costs to keep operating, such as temporary space, after a covered loss.
Equipment breakdown
Sudden mechanical or electrical breakdown. Wear and tear isn’t covered.
Inventory
Stock on hand, including seasonal fluctuations, depending on the policy.
General summary only. The actual policy language controls, and all coverage is subject to underwriting approval.
Who it’s for
Is this you?
- Building owners and tenants
- Retailers and wholesalers with inventory
- Offices, clinics and restaurants
- Manufacturers and businesses with specialized equipment
Texas property considerations
- Wind and hail deductibles on Texas commercial property are often a separate percentage deductible.
- Flood is typically excluded and needs separate coverage.
- Valuing your building at the cost to rebuild, not market value, helps avoid coinsurance penalties.
How TexPro helps
Advice first. Then the quote.
We start with your situation
What you own, what you drive, what you’d stand to lose. Coverage is built around that, not a template.
We shop multiple carriers
We compare coverage, limits, deductibles and price across carriers, and show you the differences side by side.
We stay with you
Changes, renewals, certificates and claims questions. You call the same Houston team that set up your policy.
FAQ
Frequently asked questions
Do I need property insurance if I lease my space?
Usually yes. Your lease may make you responsible for improvements, and your equipment, inventory and income still need coverage.
What is business income coverage?
It replaces lost income and helps pay continuing expenses while you can’t operate after a covered loss.
Does commercial property cover flood?
Typically not. Flood coverage is usually a separate policy.
General information only. Coverage depends on your policy; the actual policy language controls, and all coverage is subject to underwriting approval.
Ready to review your Commercial Property coverage?
Tell us what you need protected. A licensed TexPro agent will compare options from multiple carriers and walk you through them.