Commercial Buildings & Business Property (Contents)
Your commercial building and everything inside it are essential to running your business. Whether you own an office, warehouse, retail space, or another type of property, commercial building and Business Property (Contents) insurance protects your structure, equipment, inventory, and furnishings from unexpected losses.
At Hutson-Etherredge Companies, we help South Carolina business owners find insurance that shields both their physical assets and operational essentials from fire, theft, storm damage, and more.
What Does This Insurance Cover?
Building Structure
Covers damage to commercial buildings, fixtures, and permanently installed equipment caused by covered perils like fire, wind, or vandalism.
Business Property (Contents)
Protects furniture, computers, inventory, tools, and supplies inside your business from loss or damage.
Outdoor Signage & Landscaping
Optional coverage for outdoor signs, fences, and landscaping elements not attached to the building.
Business Interruption - Loss of Income
The coverage helps to replace lost business income if you are unable to open your business on a temporary basis due to a loss covered by the policy
Debris Removal & Cleanup
Covers the cost to remove debris or restore your property after a covered event.
Why Your Business Needs Commercial Buildings and Business Property (Contents) Insurance
Protects Your Physical Investment
Your building and contents are core business assets—this policy keeps them secure.
Covers Day-to-Day Essentials
Without coverage, loss of key equipment or inventory could halt operations and lead to costly delays.
Required for Leases & Loans
Many landlords and lenders require proof of property coverage as part of lease or loan agreements.
Frequently Asked Questions
Do I need both building and Business Property (Contents) insurance?
Yes—building coverage protects the structure you own, while business property coverage protects movable assets and contents inside.
Does this policy cover natural disasters like floods or earthquakes?
Not typically. Flood and earthquake coverage usually require separate policies, which we can help you secure.
What if I lease my space—do I still need this insurance?
Yes. Even if you don’t own the building, you’re responsible for your equipment, furniture, and other contents, all of which need coverage.
Get a Free Quote for Commercial Property Insurance
Protect your building, assets, and operations with custom commercial property insurance from Hutson-Etherredge Companies.
Call us at
803-649-5141 or request a free quote online.