Commercial Property Insurance - Protect Your Business Assets

Coverage For Your Building, Contents & Equipment

Think of this as "home insurance for your business." O'Sullivan Integra helps protect owned buildings, tenant improvements, electronics, tools, and inventory across Tomball, Houston, and 77377. Covered causes can include fire, theft, vandalism, and many weather events-vital for stores near Tomball Town Center, warehouses along SH 249, or offices in the Energy Corridor.

Who Needs Commercial Property Coverage?

If you own a building, you need it. If you lease space, your landlord's policy won't cover your contents or improvements. Restaurants, retailers, medical offices, and contractors with high-value tools should ensure contents and equipment limits match real replacement costs in Greater Houston.

Core Protections & Smart Add-Ons

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Building Coverage

Structures you own.

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Business Personal Property

Inventory, furniture, computers, and tools.

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Business Interruption

Lost income if a covered loss shuts you down temporarily.

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Equipment Breakdown

For internal electrical/mechanical failures.

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Inland Marine

Mobile tools and property in transit for contractors.

Houston-Area Considerations

Standard policies may exclude flood; add Flood Insurance if you're near bayous or low-lying areas. Wind/hail are generally included, but coastal risks or TWIA requirements can vary; we'll align coverage with your location from Tomball to the Gulf.

FAQs For Property Owners & Tenants

  • I run a home-based business-am I covered?

    Home policies often limit business property. We can endorse your home or set up a small commercial property policy.

  • How much coverage do I need?

    Enough to rebuild and replace at current prices. We'll help estimate local replacement costs.

  • Does this cover storm damage?

    Many wind/hail losses are covered; flood is separate. We'll design a plan that fits your address.