Commercial property insurance helps Wisconsin business owners protect their offices, storefronts, and commercial buildings from costly damage or loss. This coverage pays for repairs or replacements when fire, theft, storms, or burst pipes damage your property or inventory. For businesses that rent their space, most landlords require proof of commercial property insurance before signing a lease. 

Even if it’s not required, it’s an essential safeguard for any company that owns valuable physical assets, equipment, or inventory. By securing reliable business property insurance, you can recover faster and keep operations running smoothly after an unexpected event.

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Why Commercial Property Insurance Matters

No matter the size of your operation,  from a small retail shop to a multi-location company, your property represents a major investment. Commercial property insurance helps protect your physical assets so your business can recover quickly if the unexpected happens.

With Senica Insurance, you get coverage that protects against:

  • Fire and smoke damage
  • Storms, wind, and hail
  • Theft and vandalism
  • Water damage from plumbing or equipment issues
  • Accidental damage to business property

Our local insurance agents understand how Wisconsin’s unpredictable weather and seasonal risks can affect commercial buildings, giving you peace of mind that your coverage actually fits your needs.

What’s Covered Under a Commercial Property Policy

Each policy can be customized based on the type of business you run and where you operate. Typical coverage options include:

  • Building Coverage – Protects your physical structure, including walls, roofing, and foundations.
  • Business Personal Property – Covers furniture, equipment, inventory, and other assets inside your property.
  • Business Income Interruption – Helps replace lost income if a covered event temporarily halts your operations.
  • Equipment Breakdown – Covers repairs or replacements for essential systems like HVAC, refrigeration, or machinery.
  • Outdoor Signage and Fixtures – Protects outdoor structures attached to or near your building.

Optional coverages can include flood insurance, data loss protection, or contractor’s equipment insurance, depending on your industry and location.

Local Risks for Wisconsin Business Owners

Wisconsin businesses face unique challenges that make property insurance especially important:

  • Severe storms and hail can cause costly roof and siding damage.
  • Heavy snow and ice can lead to roof collapse and property damage.
  • Power outages from winter weather can damage inventory or equipment.
  • Theft or vandalism can affect storefronts and warehouses alike.

Our Stevens Point insurance agency works closely with businesses across Appleton, Green Bay, and Central Wisconsin to make sure your coverage accounts for these risks and keeps your operations running smoothly.

Why Choose Senica Insurance for Commercial Property Coverage

  • Local Expertise – Our agents live and work in Wisconsin, so we understand how local conditions affect your business risks.
  • Multiple Carrier Options – As an independent agency, we compare policies from top insurance providers to help you find the right fit.
  • Personalized Service – We’ll walk you through your policy details so you understand exactly what’s covered — and what’s not.
  • Comprehensive Business Solutions – We also offer general liability, workers’ compensation, and commercial auto insurance for complete protection.

Frequently Asked Questions

What does commercial property insurance not cover?
 Most policies exclude natural disasters like floods or earthquakes, though separate policies can be added for those events.

Is commercial property insurance required in Wisconsin?
 It’s not required by state law, but lenders and landlords often require proof of coverage before signing contracts or loans.

Can I bundle property insurance with other business policies?
 Yes. Senica Insurance can build a Business Owners Policy (BOP) that combines commercial property insurance, general liability, and other key protections into one affordable package.

Does this coverage apply to leased buildings?
 Yes. Even if you lease your space, you’re still responsible for insuring your business’s contents and equipment.

Get a Commercial Property Insurance Quote

Your property is essential to your business; make sure it’s protected with the right policy. Whether your business is based in Stevens Point, Appleton, or anywhere in Wisconsin, Senica Insurance can help you secure reliable commercial property coverage designed for your needs.

Request a Quote Today and let us find a policy that protects your business assets and keeps your operations running strong.

What Our Clients Are Saying


“They Helped Us Get Back on Our Feet — Fast!”

As a small retail business owner, I never imagined having to deal with a major loss — until a burst pipe caused severe water damage to our store. We were forced to close our doors, and I was genuinely worried about how we’d recover. Thankfully, our insurance company stepped in immediately. From the first phone call, their team was attentive, knowledgeable, and truly supportive. They guided us through the claims process, answered every question, and made sure we had what we needed. Within days, we received the financial support necessary to begin repairs and keep our operations going. Thanks to their fast action and incredible customer service, we were able to reopen much sooner than expected. It’s clear that this company has the best team in the business — dedicated professionals who care about their clients and the communities they serve.
I can’t recommend them enough to other business owners. They don’t just provide insurance — they provide peace of mind.