Safeguarding Your Commercial Investments in California

For business owners in California, protecting your commercial property is not just a necessity—it’s crucial for your operational continuity and financial stability. At HRI Agency, we specialize in Commercial property insurance in California, offering tailored solutions that meet the specific needs and regulations of the Golden State. Whether you own an office building, a retail shop, or an industrial facility, our insurance policies ensure that your physical assets are covered against a wide range of risks.

Coverage Options for Every Business Need

We understand the diverse nature of commercial properties and offer a variety of coverage options to suit your specific requirements:

Building Coverage

Protects the physical structure of your commercial property, including the building and its permanent fixtures, against damage from fires, storms, and other disasters.

Business Personal Property Insurance

Covers the contents within your building, such as furniture, equipment, and inventory, against theft, damage, or loss.

Loss of Income

Ensures your business can continue to generate income during the restoration period if your property is damaged and operations are halted.

Equipment Breakdown

Covers the repair or replacement of broken equipment due to mechanical breakdown, electrical malfunctions, or other covered incidents.

Liability Protection

Shields your business from liability claims in case someone is injured on your property or if there is property damage due to your business operations.

Frequently Asked Questions

Factors include the location of your property, construction materials, the type of business you operate, and your building’s susceptibility to damage.

Yes, if you own multiple properties, HRI Agency can help consolidate your coverage under one policy for ease of management and potentially lower costs.

Our goal is to process claims swiftly and efficiently. We strive to evaluate and settle claims as quickly as possible so you can resume business operations with minimal interruption.

While not mandated by state law, many mortgage lenders require it. Having this insurance is critical to protect your investment and ensure business continuity.

Low-angle Photo of Four High-rise Curtain Wall Buildings Under White Clouds and Blue Sky

Ensure Your Property is Fully Protected

Don’t let unforeseen events put your business at risk. With HRI Agency, you can be confident that your commercial property is protected with coverage that meets both your needs and California’s specific requirements.