Commercial Property
Your building, equipment, and inventory keep the business running — commercial property insurance makes sure a storm or fire can’t take them away for good.
- 24+ carriers
- Norman, OK
- No obligation
What Is Commercial Property?
Commercial property insurance covers the physical assets of your business — the building itself if you own it, plus your equipment, inventory, furniture, and fixtures — against fire, wind, hail, theft, vandalism, and other covered perils. We help business owners, landlords, and commercial real estate investors insure their buildings and habitational risks, from a single storefront to a full rental portfolio. No two property policies are the same: valuation method, wind and hail deductibles, and co-insurance clauses can swing a claim payout by tens of thousands of dollars. Because we're 100% independent, we compare your property across 22 carriers and do all the leg work to find the right coverage at the right price.
Why Commercial Property Matters
Your building and equipment are usually the most expensive things your business owns, and replacing them out of pocket isn't realistic for most owners. The wrong valuation or a buried exclusion means finding out at claim time that you're underinsured. A properly built commercial property policy is the difference between a repair project and a permanent closure.
Who Needs Commercial Property?
Anyone who owns a commercial building, leases space with valuable equipment or inventory inside, or holds investment real estate — offices, retail, restaurants, warehouses, apartment buildings, self-storage, and more. Landlords and habitational investors are a specialty of ours.
Coverage Highlights
- Building coverage at replacement cost
- Business personal property (equipment, inventory, fixtures)
- Wind and hail coverage with deductible options
- Business income and extra expense coverage
- Landlord and habitational property programs
- Equipment breakdown coverage
- Builders risk for projects under construction
Specialty Programs
We write commercial property broadly, and we go deeper on a few programs where the exposure is distinct enough to deserve its own conversation.
Lessor's Risk Only (LRO) Insurance
For owners who lease their commercial building to tenants and do not operate a business inside it — the building, the rents, and the landlord liability.
Owner-Occupied Commercial Property Insurance
You own the building and run your business inside it — property, contents, and the business income that stops if the building does.
Commercial Property Investor Insurance
For investors who own buildings and rentals — leased commercial space, vacant buildings, renovations and rent houses, held in your name or an LLC.
Here in Oklahoma
Local Considerations
Oklahoma commercial property lives with real storm exposure: the state logged 369 major hail events in 2025 — 3rd most of any state, per NOAA's Storm Prediction Center — and NWS Norman ranks Cleveland County 5th among Oklahoma counties with 111 tornadoes since 1950. The May 20, 2013 Moore EF-5 tore through this county and left over 300 homes with EF-4/EF-5 damage along its path, and commercial corridors sat right in the same footprint. Roof age, wind/hail deductibles, and replacement cost accuracy get real scrutiny from carriers here — we make sure yours holds up.
How Our Quote Process Works
We Start with a Conversation
We take time to understand what you're trying to protect and what matters most to you.
We Shop Multiple Carriers
We compare options across 24+ insurance companies to find coverage that actually fits — not just the cheapest number on paper.
We Review for Gaps
We check for coverage gaps, exclusions, and structure — not just price — so you're not surprised later.
We Walk You Through It
We explain your options in plain English, answer questions, and help you make a confident decision.
Get a Commercial Property Quote
We'll shop multiple carriers and walk you through your options — no obligation, no runaround.
Request a QuoteOther Coverage Options
From our Google reviews
Client Stories
★★★★★
Oklahoma Insurance Group has handled my small business insurance for over 11 years. They handle workers comp, general liability, and automobile insurance (we have about 10 vehicles insured at any one time). One of the great things about OIG is that every year like clockwork (without me having to ask) they are shopping my coverage and checking rates to get up the best balance between coverage and price. For our upcoming, they were able to reduce our auto by switching companies by over $41K. This is serious savings and allows us to continue our steady growth here in Oklahoma City and pass those savings on to our customers. It is also great that they can handle my personal stuff as well. Home insurance, automobile (inlcuding motorcycle). They shop those policies every year as well. One stop shop for me. And when I need them for a claim or accident, they walk me through the process. We are proud to partner with Russ and the crew at Oklahoma Insurance Group. Justin
★★★★★
Jovy and Russ and the folks at OIG are always friendly professional and available to answer questions. We have always received prompt service and competitive insurance pricing for our investment property.
★★★★★
We have had a great experience with Russ and his group. He found us the commercial insurance policy we wanted that others couldn't get. He is also very quick to respond which is greatly appreciated. We recommend this group for your insurance needs.
★★★★★
We had Russ review our commercial insurance policies and he found several gaps in coverage that left us exposed financially. Russ explained everything thoroughly and saved us a ton of money! We feel much more comfortable with Russ on our side. From a business stand point. You are losing money by not giving them a chance.
★★★★★
Russ was awesome to talk to about our insurance. He found gaps in our policy that would have hurt us in a claim situation. Our coverage now is top notch thanks to Russ and his team. We highly recommend calling them for any insurance needs commercial or residential. Thanks again Russ
Information is general in nature and may not reflect your specific situation. Contact us for personalized guidance.
Let's Talk About Your Commercial Property
No sales pitch — just a conversation about what you need and what your options look like. We'll take it from there.