Commercial Property Insurance for San Francisco, Bay Area Businesses

Three people in business attire and hard hats inspect a building exterior.

What This Coverage Addresses

Whether you own a building in North San Francisco, Bay Area lease a workspace in Campbell, your physical assets—furnishings, equipment, inventory, fixtures—face risks: fire, theft, water damage or natural events. Commercial property insuranceprovides coverage tailored for Bay Area exposures, including optional earthquake endorsements where standard policies don’t apply.

Key Coverage Elements

This insurance typically covers your building (if owned), contents and equipment, and may offer business interruption coverage when physical loss prevents you from operating. In earthquake-prone regions like the South Bay, it’s critical to ask whether your policy excludes quake losses or needs a separate difference-in-conditions (DIC) endorsement.

How We Help You

Shepherd & Associates works with you to determine replacement values for equipment, evaluate lease obligations for tenant improvements, and select appropriate deductibles given San Francisco, Bay Area’s cost levels. We also review catastrophic risk options and provide annual valuations so your coverage stays current as equipment and facilities evolve.

Commercial Property FAQs

  • If we rent our space, do we need commercial property insurance?

    Yes—you’ll want coverage for contents, business interruption and your responsibility under lease agreements for tenant improvements.

  • Does standard property insurance cover earthquakes in California?

    Generally no—earthquake loss is usually excluded and requires a separate endorsement or policy.

  • How are premiums determined for commercial property?

    Factors include building construction type, fire-suppression systems, occupancy, location risk (Santa Clara County vs rural sites) and deductible size.

  • What is adequate business interruption coverage?

    It should reflect your gross earnings, fixed costs and expected recovery time after a loss; we model scenarios with clients.

Let’s Review Your Property Program

If you operate your business in the Bay Area and want a second-look at your commercial property protection, we’re ready to assist with a review and proposal.

  • (408) 526-1112