Business insurance for landlords

Protect your commercial property and assets with insurance that’s custom-built to suit your needs.

Why you need commercial landlord insurance

Whatever kind of commercial property you own – office buildings, retail, warehouse spaces – certain risks just come with the territory. Let State Farm help you build a commercial landlord insurance policy that protects your business and its assets while you focus on making it grow.
  • Your business is a huge investment. And probably a major source of income. Don’t take chances. Protect it from fire, careless tenants, Mother Nature, magic, and lots of other things. Okay, maybe not magic.
  • Lawsuits happen. And if someone gets hurt on your property, there’s a fair chance you’ll get slapped with one.
  • Damage or repairs could make your property temporarily unusable. How would that affect your income? Spoiler alert – not in a good way.

Commercial landlord insurance coverages include

We’ll start with a package of coverages most landlords and commercial building owners need. Then we’ll help you customize them to fit your unique business. The result? A policy that keeps you properly covered at a surprisingly great rate.
  • Property insurance covers damage to your buildings, structures, and furnishings by fire, water leaks, wind, and more.
  • General liability helps pay your legal expenses if you’re responsible for someone getting hurt on your property or if you damage someone else’s property.
  • Equipment breakdown insurance helps pay to repair or replace heating, cooling, or electrical systems damaged by mechanical breakdowns or power surges.
  • Loss of income coverage protects your income if your property is unusable for up to 12 months.
  • Valuable papers and records covers the cost to research, replace, or restore information on lost or damaged documents by a covered incident.
  • Building ordinance coverage helps pay the costs to repair buildings that have to be brought up to code.

Consider adding additional coverages

Some landlords and commercial building owners need additional coverage to deal with increased risk. Not a problem because your State Farm agent will work with you to understand and help meet your needs.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Commercial liability umbrella policy

Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits.

Earthquake insurance

Earthquake insurance, available in most states, makes sense if your commercial property is located where things can get…rocky.

Data compromise and identity restoration

Provides coverages that work together to help your business and you get back on track after a data breach occurs or if you, the business owner, becomes a victim of identity theft.

Life insurance and buy-sell agreements

Life insurance and buy-sell agreements often make sense for landlords and property management companies with two or more partners.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia
recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one policy for you.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

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