Commercial Property Insurance
Everything you built. Still standing.
A pipe bursts over your server room. A fire closes your kitchen for three months. A storm takes the roof and the inventory underneath it. Commercial property covers what you own, and the part most businesses underestimate is the income they lose while they are not operating. We check the limits, the valuation basis, and the coinsurance clause, because those three details decide whether a claim actually makes you whole.
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Serving the DMV · Since 2007.
Who we serve
We protect businesses that are building something.
Retail & Multi-Location
Storefronts, franchises, and operations opening their second, fifth, or fifteenth location.
Restaurants & Hospitality
Full-service and quick-serve restaurants, caterers, and hospitality groups, where liquor liability, property, and the people behind the counter all need to be covered.
Government Contractors
GovCon firms navigating contract insurance requirements, from professional liability and cyber to bonding and the limits your contracts demand.
Professional Services
Law firms, consultancies, agencies, and accounting practices, including E&O and cyber.
Trades & Contractors
Electrical, plumbing, HVAC, roofing, and general contractors needing builders risk and bonding.
Growth-Stage Companies
Tech, biotech, and startup-scale operations whose coverage needs change every six months.
Not on the list? We still have you covered. Reach out to us!.
How we work
What a commercial advisor should actually do.
Your advisor
A named human, not a 1-800 number.
You get one advisor who learns your operation, knows your team, and remembers what happened at the last renewal. Same person at year five as at year one.
Proactive reviews
We call before renewal, not after a problem.
Annual proactive reviews. Quarterly check-ins for fast-growth clients. If you opened a new location, hired your fiftieth employee, or signed a major contract, we want to know before your policy does.
Carrier breadth
Independent access to diverse markets.
We're not tied to one carrier's appetite. Travelers, Liberty Mutual, Hartford, Cincinnati, Chubb, and dozens of other standard and specialty markets, we shop where your risk profile actually fits.
One roof
Commercial, benefits, and personal - coordinated.
Your business coverage, your team's benefits, and your personal insurance can all live under one advisory relationship. No more retelling your story to three different people.
What it covers
What commercial property actually pays for.
Commercial property covers your building if you own it, your business personal property inside it, meaning equipment, inventory, furniture, and electronics, and your tenant improvements if you lease. Most businesses should also carry business income coverage, which replaces the revenue you lose while you cannot operate and pays the extra expenses of getting back up. In a serious loss, that is often the coverage that saves the business.
Two settings matter more than the premium. Replacement cost pays what it takes to rebuild or replace today; actual cash value subtracts depreciation and leaves you short. And the coinsurance clause requires you to insure to a stated percentage of full value, usually 80 or 90 percent. If you are underinsured, the carrier reduces your payout proportionally even on a small claim. That penalty catches people who have not updated their limits in years.
What it does not cover: flood and earthquake are separate policies, not endorsements you can assume are there. Ordinary wear, deterioration, and maintenance are excluded. Employee theft belongs on a crime policy. Your vehicles belong on commercial auto. Cyber-driven losses belong on a cyber policy.
Building & contents
Business income
Replacement cost review
What our clients say
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"Your team is always responsive and helps us figure out our insurance needs. You really keep up with our pace of business, and we appreciate that every single time."
Miles S.
Long-standing Commercial Client
Think you are covered correctly now?
Let us take a look at your current coverage.
Send us your current property policy and your most recent equipment or inventory list. We will check whether your limits reflect what it would actually cost to rebuild today, whether your coinsurance clause is set up to penalize you, and whether your business income coverage would carry you through the time it would really take to reopen. Underinsurance is quiet until it isn't.
FAQ
Questions we hear about commercial property.
Got a different question? Call us directly: (301) 431-0000. Or email us at info@capitolbenefits.com. The fastest way to answer a real question is to ask a real person.
These answers are general summaries. What is actually covered is determined by the terms, conditions, exclusions, and limits of the policy issued to you, and requirements vary by state, carrier, and business.
Get in touch
Let's take a look at what you've got.
A quick conversation. No deck. We'll tell you what's working and what isn't.