
Choice Insurance Agency
Commercial Property Insurance in Massachusetts
Offering customized insurance solutions in Massachusetts and beyond.
When you own or lease commercial space in Massachusetts, protecting your building and the contents inside is often a key part of your overall risk management plan. At Choice Insurance, we work with business owners across the state to help them find commercial property insurance that fits their needs and operations.
Whether you run a retail shop in Boston, a manufacturing plant in Springfield, or a tech startup in Cambridge, we can help you explore property insurance solutions tailored to the unique risks of your industry and location.
What Is Commercial Property Insurance?
Commercial property insurance generally refers to a type of coverage that can help with repair or replacement costs for physical assets a business uses to operate. This may include buildings, inventory, equipment, furniture, and more, depending on your policy.
These policies are often part of a broader business insurance package or a business owner’s policy (BOP), but can also be purchased separately, depending on your needs. Our team at Choice Insurance will work with you to identify the risks specific to your business in Massachusetts and help you explore coverage options accordingly.
Quotes Available in Massachusetts & Other States

Words from our Clients
Gained a customer for life.
Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.
Great people, great insurance, great advice, great price.
Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.
I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.
I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.
What Types of Property Can Be Covered?
Business property insurance may help protect several types of assets, though coverage can vary depending on the provider and policy terms. Some of the more commonly protected items may include:
- Owned buildings or structures
- Leased commercial spaces (tenant improvements may be considered)
- Computers and electronics
- Office furniture
- Machinery and specialized tools
- Raw materials, inventory, and stock
- Outdoor signage and fencing
Some policies may also include optional add-ons for things like loss of income due to a covered event, though this would depend on your specific situation. If you’re not sure what assets your business in Massachusetts should insure, we’re here to help you evaluate what might be most critical.
Why Do Massachusetts Businesses Need Commercial Property Insurance?
Massachusetts experiences a wide range of weather conditions and seasonal risks, from snowstorms and ice in the winter to strong winds and heavy rain in other months. In addition, older buildings, coastal properties, and urban centers can come with their own unique vulnerabilities.
Having commercial property insurance may help mitigate the financial burden if your building, inventory, or equipment is damaged or lost due to a covered cause. Even a relatively minor incident like a burst pipe or break-in could disrupt your business operations without proper coverage in place.
Who Should Consider Business Property Insurance?
Many types of businesses in Massachusetts may benefit from business property insurance, including but not limited to:
- Retail stores
- Restaurants and cafes
- Manufacturers
- Professional offices
- Medical or dental practices
- Tech companies
- Warehouses and distributors
- Construction businesses
Whether you own your building, lease space, or operate from a shared location, property insurance may offer a financial safety net to help you bounce back after unexpected damage or loss.

What Can Affect the Cost of Business Property Insurance?
There are several factors that may influence the cost of your commercial property insurance in Massachusetts. These can include:
- Location and risk of natural disasters or crime
- Age and construction of the building
- Replacement cost of insured assets
- Fire and theft protection measures in place
- Business type and use of the space
- Claims history
Our team at Choice Insurance will work with you to gather the right details and shop options from reputable carriers to help you find a solution that meets your coverage goals and budget.
Is Commercial Property Insurance Required in Massachusetts?
Massachusetts law does not typically require commercial property insurance for all businesses. However, if you lease your space or have a commercial loan, your landlord or lender may require you to carry this type of coverage.
Even if it’s not required, having property coverage may be a smart move to help protect your investment in the tools, inventory, and space that keep your business running. Our team can help you understand what’s commonly expected for businesses like yours in your area.
What Risks Might Not Be Covered?
Commercial property insurance policies can vary, and there may be exclusions or limits to what is covered. Some risks that are often not included in standard policies may involve:
- Flood damage
- Earthquakes
- Normal wear and tear
- Equipment breakdowns
- Employee theft
There may be separate policies or endorsements available to help address these risks. If your business faces specific concerns, like operating near the coast or depending heavily on specialized machinery, be sure to let us know so we can help you explore options that fit your situation.
How Can Choice Insurance Help My Business in Massachusetts?
At Choice Insurance, we’re proud to serve businesses across Massachusetts with personalized support and a strong understanding of the local market. When you work with us, you can expect:
- A dedicated advisor who listens to your goals and concerns
- Access to a wide network of top-rated insurance carriers
- Guidance on risk assessment and property valuation
- Help understanding policy terms and exclusions
- Ongoing support as your business grows or changes
We don’t believe in one-size-fits-all solutions. Instead, we focus on helping you make informed decisions about protecting your commercial property in a way that aligns with your operations and budget.

Ready to Explore Commercial Property Insurance in Massachusetts?
If you’re looking for reliable business property insurance in Massachusetts, we’re here to help. Whether you’re just starting out or reviewing your current coverage, Choice Insurance offers the local experience and resources to support you.
Get in touch with us today to schedule a consultation or request a quote. We’ll take the time to understand your business and help you find property insurance options that fit your needs and priorities.
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