Coverage for Buildings, Tenants & Landlord Liability
If you own commercial buildings or rent to tenants, your investment deserves strong protection. From fire and storm damage to tenant liability, having the right insurance means safeguarding your income and your property’s long-term value.
At Catanzaro Insurance, we help property owners across Ohio, Indiana, Illinois, Iowa, Wisconsin, Arizona, and Texas design policies that protect against physical damage, tenant incidents, and lost rent. Whether you own an office park, warehouse, apartment complex, or retail strip, we’ll make sure you’re covered.
Protect Your Building, Tenants, and Income
Owning commercial real estate means managing more than just bricks and mortar — it’s about protecting your investment, your tenants, and the income that keeps your property thriving.
Whether you own a single retail storefront, a strip mall, or an office complex, Catanzaro Insurance helps you find the right coverage to keep your property — and your peace of mind — secure.
What’s Covered
Building Coverage (Commercial Property)
Protects your structure — walls, roof, fixtures, HVAC, and permanently installed equipment — against fire, storms, vandalism, and other covered perils.
Business Personal Property
Covers your contents such as maintenance equipment, tools, furniture, and office supplies kept on-site.
Loss of Rents / Business Income
Replaces lost rental income when a covered loss (like a fire) makes your property uninhabitable during repairs.
Landlord Liability
Protects you if someone is injured on your property or if a tenant’s customer sues for negligence.
Tenant Improvements & Betterments
Covers upgrades or alterations made to tenant spaces so you can rebuild quickly and maintain lease agreements.
Ordinance or Law Coverage
Pays for increased construction costs to meet current building codes after a covered loss — essential for older properties.
Optional Enhancements
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Equipment Breakdown: For HVAC systems, elevators, and mechanical units
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Utility Service Interruption: Covers income loss from power or water outages
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Flood / Earthquake Coverage: Optional for high-risk zones
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Umbrella Liability: Extends protection beyond standard limits
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Vacant Building Coverage: For temporarily unoccupied structures
Who Needs Commercial Property Owners Insurance?
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Retail & shopping center owners
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Office & medical building owners
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Apartment & multi-unit landlords
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Warehouse & industrial park owners
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Real estate investors and LLCs
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Mixed-use and multi-tenant property owners
If you own or lease commercial property in Ohio, Indiana, Illinois, Iowa, Wisconsin, Arizona, Texas, or New York, we’ll help you secure the right protection for your buildings and tenants.
Why Property Owners Choose Catanzaro Insurance
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Ohio-Based, National Reach: Serving clients in seven states
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Real Estate Expertise: We understand property ownership, rental exposures, and landlord liability
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Fast, Accurate Quotes: Streamlined process with clear options
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Long-Term Support: Renewal reviews, certificates of insurance, and policy guidance for every property
We go beyond quoting — we help property owners understand their risk and make confident coverage decisions.
Real-World Scenarios
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A storm damages the roof of a retail center — Building Coverage repairs it.
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A tenant’s customer slips on your sidewalk — Landlord Liability defends you.
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A fire forces tenants out — Loss of Rents replaces your income.
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An HVAC system shorts out — Equipment Breakdown covers replacement costs.
Licensed & Serving Multiple States
While based in Ohio, Catanzaro Insurance proudly provides commercial property insurance for building owners and landlords in:
Ohio, Indiana, Illinois, Iowa, Wisconsin, Arizona, and Texas.
Every state has unique landlord laws, climate risks, and coverage requirements. We tailor policies to your location, ensuring your investment stays fully protected.
Commercial Property Owners Insurance FAQs
Do I need insurance if my tenants already have coverage?
Yes. Tenant policies only cover their business property — not your building or liability as the landlord.
Is my building covered if it’s vacant?
Vacant properties often need a special policy. We can set up vacant building coverage for short or long-term gaps between tenants.
Does this insurance cover loss of rent?
Yes. If a covered event prevents tenants from occupying the building, Loss of Rents helps replace your income.
How much coverage should I carry?
We recommend insuring for full replacement cost — the amount needed to rebuild your structure as new, not market value.
Get a Free Commercial Property Insurance Quote
Protect your buildings, tenants, and rental income with coverage built for property owners.
📞 Call 614-489-8383
📧 Email info@catanzaroinsurance.com
or complete the quick form below for a fast, customized quote.
We’ll review your current coverage, identify gaps, and provide clear, competitive options for commercial property owners in Ohio, Indiana, Illinois, Iowa, Wisconsin, Arizona, and Texas.