Indiana Commercial Property Insurance

Commercial property insurance helps pay for damages covered by the policy.

But you may need additional coverage beyond standard commercial property insurance policies.

Special property endorsements fill these gaps with targeted protection. 

Here’s what we offer:

• Water Backup Coverage
  Protects against sewage and drain backups that standard policies exclude. This matters for businesses in older areas of Indianapolis, Evansville, or Fort Wayne where aging infrastructure poses risks.
• Ordinance and Law Coverage
  Covers extra costs when local building codes require upgrades during repairs. For example, if your historic Broad Ripple building needs repairs, this covers bringing electrical systems up to current code.
• Peak Season Coverage
  Automatically increases inventory coverage during your busy periods. Retail shops in Hamilton Town Center or University Park Mall use this during holiday seasons.
• Utility Services Coverage
  Protects against losses from power outages or utility failures. Critical for restaurants, medical offices, and manufacturing facilities across Indiana.
• Debris Removal
  Covers cleanup costs after property damage. Particularly important for manufacturing or warehouse facilities where debris removal can cost more than the damage itself.
• Spoilage Coverage
  Protects perishable inventory when refrigeration fails. Essential for restaurants, grocers, and food distributors throughout Indiana.
• Outdoor Property Protection
  Your business presence extends beyond your walls. Signs, landscaping, and outdoor inventory need protection too. Our outdoor property coverage guards against vandalism, storm damage, and theft for any business assets outside your main structure.
• Flood Insurance
  Standard policies exclude flood damage, but Indiana’s changing weather patterns make flood coverage essential. Our flood insurance provides coverage against damage from rising waters, flash floods, and water damage from severe storms. We map your property’s flood risks and design coverage that matches your location’s specific challenges.

Claims Process and Support

Filing a property claim shouldn’t add stress to an already challenging situation. Your insurance carrier claims team guides you through every step. 

They begin with immediate response to your claim notification, often arriving on-site within hours. 

Risk Management Services

Prevention saves money and protects business continuity. 

The Allen Thomas Group provides free risk assessments for every commercial property client when needed. 

It can help identify potential hazards before they cause problems. This includes creating emergency response plans tailored to your location and business type.

Industry-Specific Solutions

Different industries need different protection plans. 

We customize coverage for:

Retail Businesses
Retail stores need strong inventory protection and customer injury coverage. Our retail packages protect everything from small boutiques in Mass Ave to large retailers in Greenwood Park Mall.

Manufacturing Facilities
Manufacturing operations require comprehensive equipment coverage and production interruption protection. We understand the complex needs of Indiana’s manufacturing sector, from automotive parts makers to food processors.

Office Buildings
Professional offices need protection for expensive technology and sensitive client materials. Our office coverage plans protect everything from solo law practices to multi-floor corporate headquarters.

Restaurants and Hospitality
Food service businesses face unique risks from equipment failure and food spoilage. We protect restaurants, hotels, and entertainment venues with specialized coverage options.

Indiana Weather Risks and Property Protection

Indiana’s weather presents unique challenges for business property owners. Our experience protecting businesses through severe storms, tornadoes, and harsh winters shapes our coverage recommendations.

The spring tornado season demands robust structural coverage, while winter ice storms threaten both buildings and business operations. Our policies adapt to seasonal risks, providing year-round protection against Indiana’s unpredictable weather patterns.

Local Business Compliance and Regulations

Operating in Indiana means meeting specific insurance requirements. 

The Allen Thomas Group maintains current knowledge of state regulations and local ordinances affecting commercial property coverage. 

We help businesses meet lender requirements, lease obligations, and state mandates without overbuying coverage they don’t need.

Free Property Insurance Assessment

Making informed decisions about commercial property insurance in Indiana starts with understanding your needs. 

Working with our carriers, The Allen Thomas Group offers free, no-obligation property insurance assessments for Indiana businesses.

Our evaluation includes:

• Building replacement cost analysis
• Contents valuation review
• Business interruption calculations
• Risk factor identification
• Premium savings opportunities