Commercial Property
Comprehensive property coverage for peace of mind, protecting your business premises, assets, and guest safety while allowing you to focus on operations with confidence.
Trusted expertise addressing unique commercial property challenges every step of the way.
With decades safeguarding commercial facilities, our property specialists bring expert understanding of industry risks to every client engagement. We collaborate closely to develop tailored insurance solutions that shield against property damage, liability exposures, and business interruptions while proactively mitigating evolving threats like cyber attacks and supply chain disruptions. Our commitment to ongoing advisory support ensures robust, future-focused protection as your commercial property portfolio expands.
Seasoned commercial insurance experts offer solutions tailored to property owners and managers across the real estate spectrum, from single rental units to sprawling commercial complexes. By closely monitoring building codes, zoning laws, and emerging environmental concerns, we take a proactive stance in safeguarding your assets. Our expertise ensures comprehensive protection against structural damages, premises liability claims, and environmental hazards.
Going above basic policies, we tailor advanced solutions for your commercial property. Coverages extend from physical damage to loss of revenue, and from legal liability to equipment breakdown, leaving no vulnerability in your comprehensive protection.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Covers structural damagesfrom fire, wind, hail, and other covered perils to commercial buildings
• Includes building contents and equipmentsuch as furniture, machinery, and inventory owned by the business
• Reimburses extra expensesfor temporary relocation, debris removal, and rebuilding costs
• Protection against loss of incomedue to business interruption after a covered property loss
• Covers third-party bodily injuriesoccurring on the business premises or due to operations
• Includes damages for libel and slanderrelated to advertising, marketing, or promotional activities
• Provides legal defense costsfor lawsuits involving covered liability claims
• Reimburses medical paymentsfor injuries to non-employees on the insured property
• Protects against employee dishonestysuch as theft, embezzlement, and forgery
• Covers losses from burglary and robberyinvolving cash, securities, and other valuable property
• Reimburses for computer fraudincluding hacking, data breaches, and funds transfer fraud
• Includes money and securities protectionduring transit and while on business premises
• Covers repair or replacement costsfor boilers, machinery, and other equipment breakdowns
• Includes business income lossesresulting from equipment failures and service interruptions
• Reimburses for spoilage damagesto perishable goods due to equipment breakdowns
• Provides coverage for utility service disruptionsimpacting operations and causing property damage
On average, Commercial Property insurance costs around $2,500 annually; however, individual premiums vary based on several factors:
Buildings made with fire-resistant materials incur lower premiums than combustible structures. Commercial properties with modern, reinforced construction face lower risk exposure.
Properties situated in disaster-prone areas like coastlines or fault lines command higher rates. Proximity to fire stations and disaster response resources reduces premiums.
High-risk industries like manufacturing or chemical processing face elevated pricing. Low-hazard office spaces or retail stores generally see more affordable coverage.
Comprehensive security systems, fire suppression equipment, and well-documented safety protocols yield discounted rates. Lax security measures increase premiums for potential losses.
Businesses with a history of frequent or severe claims pay steeper premiums. Clean records and proactive risk management practices earn preferential pricing.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Commercial property policies often exclude flood damage, requiring separate flood insurance. However, flood risk varies - some areas mandate coverage. Advanced engineering may qualify for limited flood inclusion. Regularly reviewing property elevations, drainage systems, and geographic exposures reduces flood risk. Consulting an insurance professional ensures proper disaster preparedness.
Commercial property insurance typically covers buildings, inventory, equipment, and tenant improvements for businesses. Eligibility hinges on accurate property valuations and usage classification. Some exclusions apply for hazardous materials, vacant properties, or specialized assets. An on-site inspection aids proper risk assessment and coverage tailoring by insurers.
Implementing robust security systems, fire protection, and disaster planning can lower premiums. Maintaining updated property appraisals, avoiding risky renovations, and promptly addressing safety issues demonstrate commitment to risk management. Bundling policies and increasing deductibles generally reduces costs, but requires carefully weighing trade-offs with an insurance advisor.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
