Commercial Property Insurance

A commercial property insurance policy protects your business assets similar to the way a homeowners policy protects your personal assets. It protects your place of business and any adjacent structures you own from losses related to bad weather, fire and vandalism, as well as offering protection for your computers, furniture, inventory, tools and other equipment within your building. Every business is different and therefore has different insurance needs. Let us help you assess what commercial property insurance policy best corresponds to the unique needs of your business.

What Commercial Property Insurance Covers

Owning a business is risky. Damage to or loss of your building and the important things inside of it can have catastrophic consequences. To fully protect you, our agents will always recommend commercial property insurance policies that give you the following coverages:

  • Building: If your building is damaged by severe weather, theft or vandalism, commercial property insurance will cover repair or replacement costs.
  • Personal Property: Everything that you keep on your premises—inventory, furniture, machines—is insured just like the outside of your building is.
  • Business Interruption: If your place of business or anything within it is damaged to the extent that you have to remain closed until repairs are completed, commercial property insurance will reimburse your loss of income.
  • Computer Network: Essential nowadays since so much of our data is stored and transmitted digitally, a commercial property insurance policy will give you coverage for loss of your computers and important information stored within them.

You should be aware that most commercial property insurance policies do not include coverage for losses related to floods or earthquakes. For that you need a separate policy. Our agents will discuss every potential risk your business property faces and will ensure you get the best protection.

Complete the brief form you see to the right, and someone will contact you within 24 hours to walk you through what commercial property insurance policy would work best for your business. We pride ourselves on integrity and offering each of our clients personalized service. Once you’re an RNI client, we promise to use our knowledge and expertise to guide you toward success the same way we would our own business. Let’s get started!

Contact us!


You’ve worked hard to build a great life for yourself and those you love. Let us help you protect what’s most important.


It’s stressful managing a business that’s always on the move. With RNI, you can be confident that your team and your products reach their destination safely and on time


It isn’t easy running a successful business. We’ll give you the tools you need to protect what you’ve worked tirelessly to build.


Dear Mr. Nelson, Wow! What a pleasure to meet you! You really surprised us by coming to our little company. It is such a welcoming feeling to know the ladies we usually deal with have such a gentleman to work for. We enjoyed having full circle of help for our company. Although we may be small, hopefully we will grow. We really enjoyed Cathy and her information. Please stop by anytime. Thank you for lunch too. Many thanks, Cecila


I’ve got nothing but good things to say about Raymond Nelson Insurance Agency Inc., my Agent, Linda Wood and the team at RNI. I had lost all faith in insurance companies until that disaster with a former agency. Linda Wood at RNI stepped in and picked me up when I was down and restored my faith in Insurance Agents. There are some really great people out there who truly do appreciate my Business.

Billy Fannin

The last thing you want to have to worry about after a catastrophic event is the timeliness of your insurance company to put things back to normal in your life.

In June of 2019, our family, by the grace of God, survived a horrific tornado, however our home, car, workshop and personal belongings did not. After the initial shock, we immediately called to report our claim. We are insured with Raymond Nelson Insurance and Safeco and within minutes of us filing the claim, we were contacted by an adjuster. One adjuster drove from Louisville and the other from Cincinnati the next morning to sit down and discuss the next steps of getting our lives back in order.

They made us feel like a part of their family. On a scale of to 10 we will definitely give them a 10.5! We never had to question them about anything and trusted them 100%. We are recommending Raymond Nelson Insurance to our friends and family!

Alicia & Bryant Bond

Thanks for all of your work on our insurance! Have an awesome day!

Kristi and Larry / CHT, LLC