Insurance
Commercial Property Insurance
Protect your business and your bottom line with customized property insurance designed for California business owners. Whether you own an office, restaurant, warehouse, or retail space, we'll help you protect what keeps your business running - with local support you can trust.
Rated 4.8 out of 5
Based on 50+ reviews
Covers property damage
Protects buildings, equipment, and inventory against fire, theft, storms, and more.
Keeps operations moving
Covers lost income and extra expenses after a covered event.
Meets lease or lender requirements
Required for many commercial leases and financing agreements.
Peace of mind for business owners
Run your business confidently, knowing your assets are protected.
Commercial Property Insurance made simple
Personalized coverage. Trusted local guidance.
At Kwan Insurance Services, we help you find the property insurance that truly fits your business. Whether you run a small business, manage an office, or operate out of a warehouse, we work with you to choose the right coverage that protects your building, equipment, and livelihood. Property insurance is essential for business continuity. It protects you financially from losses due to fire, water damage, theft, vandalism, and other risks. That way, you can focus on running your business instead of recovering from disaster.
With access to leading commercial insurance carriers, we compare quotes, explain your options clearly, and guide you through every step – so you don’t have to figure it out alone. As your personal advisor, we make property insurance simple, transparent, and tailored to you.
Built on trust. Backed by experience.
Here’s why people choose us for their Commercial Property Insurance
- Family-owned with personal, honest service.
- 30+ years of local insurance expertise.
- We compare top carriers to save you money.
- Support in English, Cantonese, and Mandarin.
Build a policy that works for you
Popular Commercial Property Insurance coverage
We make it easy to understand your choices. Explore the coverage options to secure your property and business operations.
Find the right coverage at the right price
Get your free quote in minutesWhat is Commercial Commercial Property Insurance and how does it work?
Property insurance is a policy that helps cover physical assets owned by your business like your building, inventory, and equipment if they are damaged by a covered event such as fire, storm, theft, or vandalism. You pay a monthly premium, and in return, the insurance company helps cover the costs if something happens.
See state-specific insurance exceptions
Coverage and requirements may vary by state. Check with us to see what applies in your area.
Why having Commercial Property Insurance matters
Your building, inventory, and equipment aren’t just assets, they are the foundation of your business. One unexpected loss can stop operations or wipe out your savings. Property insurance gives you the confidence to grow your business, knowing you’re protected from costly disruptions.
What’s typically covered by Commercial Property Insurance?
Most insurance policies include: damage to your building (owned or leased), theft or damage of furniture, tools, and supplies, and loss of income during business closure. You can also add coverage for fire, vandalism, storms, burst pipes, and more, equipment breakdown, and property in transit or stored off-site (which is optional).
Optional coverages and special insurance options
Beyond the basics, you can customize your policy with extra protection. Options like flood or earthquake insurance, cyber liability, ordinance or law upgrades, spoilage or temperature-sensitive inventory, builders risk for renovations or new builds, and tenant improvements and betterments.
How we help you choose the right coverage
As your local broker, we listen first. We get to know your situation and guide you through your options, making sure your coverage fits your needs and budget. Whether you want maximum protection or the essentials, we’re here with honest advice and personal service.
How to get started
Simple steps to the right Commercial Property Insurance
From your first message to ongoing support, getting insured with us is easy. Here’s how we guide you through every step — with clarity, care, and no pressure.
No complicated formsFast, personalized quotes
Step 1
Get in touch
Contact us by phone, email, or online - we’re ready to help.
Step 2
Get tailored Commercial Property Insurance quote
We’ll ask a few quick questions and provide the best options for you.
Step 3
Get honest advice
Not sure what you need? We’ll explain your coverage options clearly.
Step 4
Set up your policy
When you’re ready, we’ll handle all the paperwork and get you insured.
Step 5
Rely on us for support
Have questions or need to file a claim? We’re here whenever you need us.
You’re in good company
See how we’ve helped California businesses stay resilient and recover faster.
Rated 4.9 out of 5 by real clients
I called 8 different insurance companies for a landlord quote. A few companies did not offer landlord insurance coverage. Carson Kwan was highly recommended and he was professional and provided a reasonable quote compared to other companies. His staff is very kind and I would highly recommend Kwan Insurance!
Emma Buchanan
1 month ago
I took my son to get auto insurance and Karson was informative and reliable. He helped us to get a great coverage with a premium much lower that what we expected. I highly recommend Kwan Insurance.
Karen Cheng
2 months ago
Reached out on a Friday, sent link same day, I filled out application over the weekend, got quotes the following (for auto, home & umbrella) Tuesday. They told me upfront that my rates were likely the best already, but they still helped me out. The umbrella was inherited from a previous broker who had been non reponsive - and I asked if the policy could be switched over. They were able to do so in 24 hours. I am beyond relieved to find competent agents who took time to answer all my questions before even gaining my business. Thank you!
Milly Shiu
2 months ago
Karson is fantastic to work with. I was referred to him about a year ago and we now have multiple policies with his company. He always looks out for his clients and finds the best fit and price while also giving guidance on coverages specifically. Highly highly recommend!
Mino Solomon
2 months ago
Wow, Karson is extremely knowledgeable on different insurance plans. I never thought I could enjoy buying insurance but here I am. 10/10 would recommend.
Marcus Cheung
2 months ago
Highly recommend Kwan Insurance Services. I had a wonderful experience with Karson. He was very prompt, thorough and thoughtful. He took the time to explain to me options and quick to find solutions for me. I was very happy with his work. 👏👏👍👍
Edna Salinas
2 months ago
I was helped by Karson. I switched my vehicle insurance over and he was able to create a bundle with my home insurance as well.
Above all, I really enjoyed the professionalism and urgency that he showed while working on my files.
I felt secure and comfortable the entire time and have no problems recommending his services to any of my friends.
Wayne Wen
2 months ago
We had a great experience with Karson setting up insurance for our new home in California. He was extremely responsive via email and text, offered clear explanations, and provided us with everything we needed. Highly recommended!
David Thissen
3 months ago
Karson was a great agent/insurance advisor to work with when my family and I were looking for a different bundled homeowners and auto insurance provider. He was incredibly responsive and able to provide multiple quotes, along with sound advice to help me better understand the right choice for coverage. At a time when many homeowners face limited options due to insurers no longer providing coverage for California residents I felt a sense of security working with Kwan insurance.
Tiffany Zendejas
3 months ago
It was wonderful to have an agent like Karson Kwan, experience, friendly and patient, I’m absolutely delighted working with him. 😁
A F1
3 months ago
FAQ
Common Commercial Property Insurance questions asked by clients
Get quick answers to the questions we hear most - from coverage basics to claims and costs.
Do I need commercial property insurance if I lease my space?
Yes. Even if you don’t own the building you’re still responsible for insuring you business’s contents, equipment, and potential liability.
What’s the difference between property insurance and general liability?
Property insurance covers things you own; liability insurance covers injuries or damages to others. Most businesses need both.
Can I combine property coverage with other business policies?
Yes! A Business Owner’s Policy (BOP) can bundle property, liability, and more at a lower cost.
Do I need coverage for equipment or tools I take off-site?
Yes, add inland marine coverage for property in transit or used on jobsites.
What happens if I need to file a claim?
Contact your insurance company directly, and we’ll help guide you through the process and paperwork.
Coverage made simple
Helping local businesses stay open, protected, and prepared
- Rated 4.8 out of 5 stars
- 30+ years of expertise
