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Commercial Property Insurance in Utah – Protect Your Building, Income, and Long-Term Investment

Commercial Property Insurance is the backbone of financial protection for any building owner, landlord, or business operating from a physical location. Whether you own a single retail storefront, a multi-tenant office building, or a warehouse portfolio, one fire, theft, burst pipe, or major wind event can wipe out years of investment. This coverage ensures your structure — and everything inside it — is protected from costly losses that could otherwise shut down operations or create significant financial strain.
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As a property owner, your building is often your largest asset. Commercial Property Insurance helps safeguard it by covering damage to your structure, improvements, equipment, furniture, inventory, and business-critical systems. From fire and smoke damage to vandalism, theft, or water-related losses, this policy keeps your operation stable when the unexpected hits.
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If you’re a landlord, this coverage becomes even more essential. As someone who has completed more than 250 commercial leases throughout the Salt Lake Valley, I’ve seen firsthand how property claims can derail a tenant, a building owner, or an entire investment strategy if coverage isn’t structured correctly. Our team at Alcreo Insurance ensures your policy aligns with the real-world exposures unique to landlords — vacancy risk, tenant-caused damage, building ordinance requirements, loss of rents, and more.
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Beyond basic building protection, the right commercial property policy also addresses critical financial elements such as business income, equipment breakdown, replacement cost valuation, sign coverage, and compliance with local building code upgrades after a loss. These components are often overlooked — and they’re usually the difference between a fully funded rebuild and a significant out-of-pocket expense.
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Whether your building is fully leased, owner-occupied, or undergoing renovation, we match your property with the carrier and policy structure that aligns with the risk profile, age, construction type, and occupancy class. Through our partnerships with BTIS, The Hartford, Liberty Mutual, and AmTrust, we compare multiple options to deliver a competitively priced policy without sacrificing protection.

Business Owners Policy (BOP) – Comprehensive Coverage for Small and Mid-Size Businesses

A Business Owners Policy combines Commercial Property, General Liability, and essential business coverages into a single, efficient package. For many small and mid-size businesses, a BOP is the most cost-effective way to protect both the physical space and day-to-day operations.Whether you’re operating a storefront, office, professional service firm, or light-industrial business, a BOP delivers broad coverage at a better price point than buying separate policies. It protects your building or tenant improvements, your contents, your liability exposures, and your income if your business is interrupted by a covered claim.At Alcreo Insurance, we tailor each BOP to match your actual operational exposure — including property valuation, business income calculations, tenant improvements, equipment, and any specialty endorsements required by your lease or contracts.

Landlord Risk Insurance – Purpose-Built Protection for Commercial Building Owners

Landlords face a unique set of exposures that are often overlooked in standard policies. Landlord Risk Insurance ensures your investment remains protected even when the unexpected happens.This coverage can include:
• Building replacement and reconstruction
• Loss of rents if tenants cannot occupy the building
• Tenant-caused fire, water, or structural damage
• Coverage for vacant space risks
• Liability protection for incidents occurring on the premises
• Ordinance & Law coverage for code-required upgrades after a lossGiven my background as a commercial broker with deep experience in Utah’s leasing market, we know exactly what protections building owners actually need — not just what most carriers throw in by default. We structure policies to protect your cash flow, your asset value, and your long-term investment strategy.

Our Carriers

At Alcreo Insurance, you can apply online in minutes using our quick quote form. Once submitted, our licensed agents will compare rates across BTIS, The Hartford, Liberty Mutual, and AmTrust to deliver the best possible coverage and pricing anywhere in Utah. We handle the quoting, paperwork, and setup — you get comprehensive protection without the hassle.

Fill out our quick online onboarding questionnaire to get started today — and we’ll deliver a customized quote, compliance-ready for your lease, in record time.