Protect the Place Where Business Happens
Your building, inventory, equipment—even your signage and furniture—are key to keeping your business running. Commercial Property Insurance helps protect those physical assets from fire, theft, vandalism, weather damage, and more. At Overacre Insurance Agency & Manteca Insurance & Financial Services, we’ll help you find the right coverage for your space—whether you own, lease, or work from home.
Because one incident shouldn’t bring everything to a halt.
What does commercial property insurance cover?
It covers your business’s physical assets: buildings, inventory, equipment, electronics, furniture, and more. Coverage can extend to outdoor signs and business interruption losses.
Is it only for brick-and-mortar businesses?
No—you can get coverage for home-based businesses, leased spaces, or even mobile equipment, depending on your needs.
What’s the difference between replacement cost and actual cash value?
Replacement cost covers the expense to replace the item at today's prices. Actual cash value accounts for depreciation. We’ll help you choose what works best for your budget and risk tolerance.
Does this cover natural disasters?
Some natural disasters like floods or earthquakes may require separate policies. We’ll help you assess your risk and add coverage as needed.
Coverage You Can Count On, No Matter What
Disasters don’t wait for the “right time.” Whether it’s fire, water damage, or theft, losing your workspace or inventory can derail your operations fast. With the right commercial property insurance, you’ll be able to recover more quickly—and with fewer financial setbacks.
We Know Local Risks—And Local Needs
From storefronts and offices to warehouses and workshops, we know how to tailor coverage to the unique needs of Idaho and California businesses. We’ll help you understand what’s required, what’s smart to have, and what gives you true peace of mind.