Commercial Property Insurance

Commercial Property Insurance in Delaware, Maryland & Pennsylvania

Safeguard your commercial property with comprehensive coverage from Downes Insurance. Whether you own retail space, warehouses, offices, or mixed-use buildings across DE, MD, or PA, we offer tailored protection designed for your business.

​

Why Choose Downes Insurance for Commercial Property Coverage?

• Independent agency licensed in Delaware, Maryland, and Pennsylvania

• Broad access to leading carriers offering commercial property policies

• Local expertise ensures understanding of regional building codes, weather risks, and valuation needs

• Prompt, no-obligation quotes and personalized policy design

​

What Does Commercial Property Insurance Cover?

• Building and Structure Coverage — Protection against fire, hail, wind, vandalism, and more

• Business Personal Property — Safeguards your equipment, inventory, fixtures, and contents

• Loss of Income / Business Interruption — Reimburses lost revenue and operating expenses if your property is unusable

• Property Crime and Theft — Covers damage or loss due to burglary or forced entry

• Equipment Breakdown — Supports repair or replacement of critical machinery or HVAC systems

• Optional Enhancements — Such as flood, earthquake, cyber-related property loss, or building ordinance upgrades

​

Who Should Consider Commercial Property Insurance?

Ideal for businesses that own, lease, or operate premises, including:

• Office buildings and co-working spaces

• Retail stores, restaurants, and cafes

• Light industrial or warehousing

• Professional services (e.g., medical, legal, or creative studios)

• Mixed-use commercial/residential properties

​

Serving Business Owners in Three States

We provide commercial property insurance solutions across:

Delaware: Wilmington, Dover, Newark, Milford
Maryland: Annapolis, Easton, Kent Island, Centreville
Pennsylvania: Lancaster County, Chester County, West Chester, Kennett Square

​

Because local conditions vary—from coastal storms to river flooding—our agents tailor policies to address state-specific risks and exposures.

​

Bundle & Save with Business Insurance

Combine your commercial property policy with other business coverages—such as general liability, commercial auto, or a Business Owner’s Policy (BOP)—to take advantage of multiline discounts, simplified billing, and coordinated claims handling.

​

Get a Fast, Free Commercial Property Quote

​

Our streamlined quoting process makes securing comprehensive coverage easy:

1. Share essential details about your property and operations

2. We shop competitive commercial property markets

3. You receive a personalized coverage recommendation and quote—no pressure, no surprises

​

Protect your capital, your storefront, and your peace of mind—whether you’re based in Delaware, Maryland, or Pennsylvania.

​

Why Downes Insurance?

• Real local insight into regional property risks and construction standards

• Access to a diverse network of property carriers

• Big-agency capabilities with independent-service flexibility

• Responsive, consultative support from licensed professionals

​

Ensure your commercial property is protected and performing. Let Downes Insurance deliver clarity, coverage, and dependable support—ask for your custom quote today.

​