What is commercial property insurance?
How can Commercial Property Insurance Serve Oklahoma and Choctaw Businesses Unique Needs?

Commercial property insurance is one of the most common types of business insurance.

It provides a wide range of coverage which include:

  • Buildings
  • Inventory
  • Equipment
  • Tools and more

Examples of what gets covered include losses from:

  • Fire
  • Break-ins
  • Vandalism
  • Windstorm and other natural or man-made disasters
A basic commercial property insurance policy may be all you need. Note, types of coverage can vary between different insurance companies. As an independent agent, Omega Insurance helps you sort through the details. We help you determine the type of insurance policy and range of coverage that is best for your business. Get a complete list of coverage available and product details. Contact us today at (405) 769-6701.

Oklahoma – What you need to know about commercial property insurance


Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Cost estimators are available. We recommend that you secure an appraisal from a third party. Third-party estimates help accurately determine the current replacement cost of your building.

Do you have enough commercial property insurance for your business? Give Omega a call today at (405) 769-6701. Let us help you sort through the details.


Most commercial property policies exclude flood as a covered cause of loss. Purchasing a separate policy protects you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, ask Omega to review your coverage, and we’ll help you find the best solution.

Business Personal Property

Business personal property insurance covers property at a specified location for:

  • furniture
  • fixtures
  • equipment
  • inventory

Be aware! Most policies have limited coverage for property moved from the specific business address. Do you have equipment that is often taken off-site to various locations? It is critical to make sure you have an inland marine policy (equipment or installation floater).

Business Income (Business Interruption Coverage)

What gets covered when a business is closed? Business income cover fills the gap. It reimburses a business owner for lost profits and fixed expenses when closed. It applies while the premises get restored because of damage from an event, such as a fire. During a disaster, you and your customers may have limited access to your business. This cover may cover financial losses occurring during that time. Omega Insurance strongly recommends that every business get this coverage.

Electronic Data Processing (EDP)

This separate property coverage protects your computer-related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and, in some cases, virus attacks.

Omega is an Oklahoma business. We understand the business insurance needs of our customers. The right coverage for you is unique. Call us at (405) 769-6701 or email kaileam@omegainsurance.com today. Find out how to protect your business and your future with the right insurance.

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