Would Your Business Recover After a Fire, Storm, or Theft?
If disaster struck—a fire, tornado, or break-in—commercial property insurance helps pay to repair damage and replace what’s lost. For Texas businesses, that means coverage for buildings you own, business contents, equipment, and even lost income if you’re forced to close temporarily. Broken Spoke Insurance specializes in protecting everything from small-town shops to farm outbuildings, retail locations, and contractor gear across the state. We help you assess your risks and size your coverage so you can rebuild quickly, no matter what comes your way.
What’s Typically Covered
Buildings/Structures You Own
Offices, warehouses, barns, shops, and more
Interior Build-Outs & Improvements
Customized office space, fixtures, and tenant betterments
Furniture, Equipment, and Inventory
Desks, tools, computers, stock, and machinery
Business Personal Property
Contents, supplies, and valuable documents
Business Interruption Coverage
Lost income and ongoing expenses if you have to close for repairs (add-on or included with most robust policies)
Covered Perils:
Fire (including wildfire), wind/hail (Texas storms), theft, vandalism, water damage from burst pipes. Flood and coastal windstorm coverage are usually separate—ask if you’re in a high-risk area.
Common Coverage Gaps We Fix
Not insuring the full replacement cost (many businesses undervalue by 25%+)
Forgetting about tenant improvements if leasing
Missing coverage for off-site tools/equipment (inland marine may be needed)
Overlooking business interruption after a major claim
Assuming flood or windstorm is covered (often separate in Texas)
If You’re Not Sure What You Need
Own or Rent?
Owners need to cover the building, contents, and income. Renters should insure all business property and improvements inside their space.
Have Mobile Equipment or Inventory?
We add inland marine coverage for tools or property that moves around.
Concerned About Big Losses?
Business interruption keeps you afloat after fire, theft, or a big storm.
Don’t Know Your Asset Values?
We’ll assess your building and contents, factoring in Texas construction costs and current prices—no guesswork or gaps.
Bring in Real-World Experience
We’ve helped Texas businesses—from Amarillo contractors to Stratford farmers—recover from devastating losses. Our team guides you through every step: risk review, quoting multiple carriers, and making sure you’re not underinsured.
Your Experience, Step by Step
First, we review your property, inventory, and lease or ownership status. Next, we recommend limits and coverage types to fit your location, industry, and budget. We shop leading insurers and deliver fast quotes—then help you file claims, update coverage, and review annually as your needs change.
Compare Your Options Clearly
| Scenario/Need | Commercial Property | Business Interruption | Inland Marine | Flood/Windstorm (Separate) |
|---|---|---|---|---|
| Covers building/structure damage | Yes | No | No | Yes (if added) |
| Covers office contents/equipment | Yes | No | Yes (off-site) | Sometimes |
| Pays lost income if forced to close | No | Yes | No | Sometimes |
| Covers mobile/contractor equipment | No | No | Yes | No |
Not sure what fits? We’ll walk you through every option.
Your Questions, Answered Clearly
What does commercial property insurance cover?
Physical assets: buildings, contents, inventory, and equipment—plus, often, business interruption for lost income after a covered loss.
Do I need coverage if I lease my space?
Yes—your landlord’s insurance won’t cover your business property or improvements inside your office.
How much coverage do I need?
We help calculate replacement cost for your assets—avoiding costly gaps if disaster strikes.
What perils are covered in Texas?
Fire, wind/hail, theft, and more—flood and coastal windstorm are separate. We’ll advise on local risks.
Can you cover off-site equipment?
Yes—ask about inland marine for tools, equipment, or inventory away from your main location.
Get a Custom Quote and Be Ready for Anything
Your expertise drives your business—don’t let a single mistake, real or claimed, put your livelihood at risk. Broken Spoke Insurance will help you meet contract needs, defend your reputation, and keep working with peace of mind.