Commercial Property Insurance in Florida – The Marcus Group

Why Commercial Property Insurance Matters in South Florida

For many businesses, property is the most valuable asset — whether it’s your building, inventory, or equipment. In South Florida, where hurricanes, floods, and theft are everyday risks, having commercial property insurance is essential to keep your business running.


At The Marcus Group, we provide tailored commercial property insurance in Florida, protecting your investment against physical damage and financial loss.

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Commercial Property Insurance

What Our Commercial Property Insurance Covers

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Building Coverage

Protects your office, retail store, warehouse, or other commercial property from covered risks.

Business Personal Property

Covers furniture, inventory, computers, and equipment inside your business.

Equipment Breakdown

Helps cover costs of repairing or replacing damaged equipment.

Compensates for lost revenue if your business is forced to shut down due to a covered loss.

Loss of Income

Outdoor Signs & Landscaping

Covers signage, fencing, and outdoor features.

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Common Add-Ons & Options

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Flood Insurance for Businesses

Essential in South Florida, since standard commercial property policies do not cover flooding.

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Hurricane & Windstorm Endorsements

Extra coverage for Florida’s severe storm risks.

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Business Interruption Insurance

Covers payroll and expenses during downtime after a covered event.

Who Needs Commercial Property Insurance in Florida?

  • Retail Stores & Restaurants – Protecting inventory, furniture, and equipment.

  • Warehouses & Manufacturing – Safeguarding buildings and machinery.

  • Office Buildings – Coverage for workspaces and business contents.

  • Small Businesses – Any company with physical property at risk.

Local Risks to Consider

Commercial properties in South Florida face unique challenges:


  • Hurricanes & Tropical Storms – High winds and flooding can devastate buildings.

  • Flooding – Especially in low-lying areas of Broward, Palm Beach, and the entire state of Florida.

  • Fire & Theft – Common risks for business property.

  • Power Outages – Damaging sensitive equipment or causing business interruption.

FAQs – Commercial Property Insurance in Florida

  • Is commercial property insurance required in Florida?

    Not by law, but landlords, lenders, and contracts often require proof of coverage.

  • Does commercial property insurance cover flooding?

    No. Flood insurance must be purchased separately.

  • What if my business rents its location?

    You can insure your business contents, equipment, and improvements even if you don’t own the building.

  • Can property insurance cover income loss?

    Yes. Business interruption coverage can be added to help during downtime.

  • How much coverage does my business need?

    It depends on your property value, location, and risk exposure. We help tailor coverage to your needs.

Protect Your Business Property with Confidence

Get the Right Commercial Property Insurance in Florida

At The Marcus Group, we’ve been protecting Florida businesses for decades. With tailored coverage for buildings, inventory, and equipment, we’ll make sure your company stays protected against South Florida’s biggest risks.