Commercial Property Insurance

Your building, equipment, and inventory are more than business assets—they’re your livelihood. At F&T Insurance Agency, we help companies across Massachusetts, Rhode Island, Connecticut, and New York protect their physical spaces with commercial property insurance that’s built to respond.

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Guard What You’ve Built

Property Coverage That’s Real-World Ready

Whether you lease retail space in Worcester, own a shop in Warwick, or run a warehouse in Bridgeport, we offer commercial property insurance business owners trust to cover fire, weather, theft, and more.

Building & Structural Coverage

Our business property coverage protects against damage to physical structures—whether from fire, storm, or vandalism.

Equipment & Inventory Protection

We insure the tools, machinery, and inventory you rely on to stay operational and avoid costly interruptions.

Loss of Income Coverage

If damage shuts down your business, we help cover lost income and extra expenses until you’re up and running again.

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Top Questions from Property Owners

  • What does commercial property insurance cover?

    It covers your building, business contents, and sometimes outdoor signage, landscaping, and more. We tailor it to your exact setup.

  • Is it required by law in MA?

    Not by law, but landlords, lenders, and partners often require proof of property insurance. We help you meet all contractual obligations.


  • Does it cover natural disasters?

    Many policies cover storms and fire. Floods and earthquakes are typically excluded but can be added. We’ll explain what’s standard and what’s optional.

  • Can I bundle property insurance with liability?

    Yes. Many of our clients save by bundling property with general liability or umbrella insurance. We make sure the coverages work together.

  • What’s the best way to get affordable coverage?

    We work with commercial property insurance providers MA-wide to compare quotes, find smart savings, and tailor a policy that works for your budget.

We Know What’s at Stake

Protect the Heart of Your Business

At F&T Insurance Agency, we understand that your physical space is central to your operations. That’s why we guide you through your coverage options, explain your risks, and help you through every claim—from broken glass to full rebuilds.

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