Protecting the Place You Work
Coverage for Buildings, Contents, and Operations
Commercial property insurance covers your business location and the things inside it. That includes buildings you own, improvements you’ve made to leased space, equipment, furniture, inventory, and supplies.
In Florida,
property coverage needs to account for local realities like wind exposure,
heavy rain events, and fast-changing replacement costs. GM Insurance Underwriters helps business owners across Jacksonville and statewide choose limits and deductibles that match their property value and risk zone, whether you operate near Downtown, in Orange Park, along I-295, or across growing Central Florida corridors.
Florida Add-ons That Matter
Wind, Water, and Ordinance Concerns
Florida property programs often include specific wind deductibles and terms that vary by carrier. We make those clear up front. If your building is older, we also look at ordinance and law coverage, which helps with code upgrades after a covered loss.
Flood is not included in most commercial property policies, so if your location is near the St. Johns River basin, coastal zones, or low-lying neighborhoods with drainage issues, we’ll discuss a
separate flood policy to close that gap.
Common Florida Property Questions
Do I need property insurance if I lease my space?
Yes. Even if you don’t own the building, you usually need coverage for your contents and any improvements you’ve made. Many leases require it.
How do I know my limits are right?
We use building details, current replacement pricing, and inventory values to recommend realistic limits.
Can you insure property for contractors?
Yes. We handle offices, warehouses, and yard locations for many Florida contractors, often alongside their construction program.