Commercial Property Insurance Illinois and Wisconsin

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Protect Your Business Assets and Buildings

Coverage for the Physical Side of Your Work

From a storefront near the Rock River to a warehouse off I 39, commercial property insurance helps repair or replace buildings, equipment, and inventory after covered losses like fire, theft, or wind. Maple Leaf Insurance Agency tailors coverage for owned spaces and leased suites across Illinois and Wisconsin so your plan fits how you operate.

What Is Covered

Match Limits to What You Own

  • Buildings and structures for owners who need repair or rebuild coverage.
  • Contents for furniture, computers, machinery, tools, and stock.
  • Improvements and betterments you add to a leased space.
  • Loss of income when damage forces a temporary shutdown.
  • Extra coverages like debris removal, signage, and equipment breakdown can be added. If flood is a concern near rivers or lakes, we will discuss separate solutions.
Tailored To Your Risk

Different Work Needs Different Protection

  • Restaurants watch spoilage and equipment breakdown.
  • Retailers focus on seasonal inventory swings.
  • Contractors protect tools on and off site, often with inland marine.
  • Offices lean toward electronics and valuable papers.
  • We help set replacement cost where it matters, then review annually so limits keep up with prices.
Why Choose Maple Leaf

Local Knowledge and Coordinated Plans

We align property limits with your lease or lender requirements, explain deductibles in clear language, and connect your policy to general liability insurance or a Business Owners Policy to avoid gaps. If you add vehicles, we will tie in commercial auto insurance so certificates and renewals stay simple.

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Commercial Property FAQs

Clear Answers Before You Sign a Lease

  • Do I need this if I rent my space?

    Yes. A landlord’s policy covers the building, not your contents or improvements.

  • Does it cover storms?

    Wind and hail are typically covered. Flood is not unless written separately. We will review location specifics.

  • How do I pick limits?

    Use replacement cost for buildings and a current inventory for contents. We will help you calculate both.