Property & Asset Protection

Protect the Core of Your Business

No matter what kind of business you run, your physical space and equipment are vital to daily operations. At Insurance Designers, we help business owners safeguard their buildings, tools, inventory, and income with customized commercial property and asset protection plans. Whether you're managing farmland, rental units, or a local café, we’ll help you build a plan that keeps you covered—without unnecessary add-ons or complexity.

Commercial Property Insurance

Reliable Coverage for Where Business Happens

From storefronts to office spaces, this foundational policy protects your commercial building and its contents from common risks like fire, theft, weather damage, and vandalism.


  • Covers buildings, inventory, furniture, and equipment
  • Can include business interruption protection
  • Optional add-ons for signage, outdoor property, and glass
  • Ideal for business owners with owned or leased space

Farm & Ranch Insurance

Protection That’s as Dependable as You Are

Agricultural businesses face unique risks—and we understand them. Our farm and ranch insurance experts work closely with producers to design tailored plans for equipment, livestock, structures, liability, and beyond.


  • Coverage for barns, silos, machinery & farm vehicles
  • Livestock, feed, and crop storage protection
  • Personal liability & workers comp options
  • Customized plans for family farms or larger operations

Landlord Liability Insurance

Smart Protection for Commercial Property Owners

If you lease out commercial buildings, you need more than property insurance—you need liability protection too. This specialized coverage helps protect against lawsuits, injuries on the property, and tenant-related damages.


  • Covers liability for slip-and-falls & tenant accidents
  • Protection against property damage caused by tenants
  • Works for single or multi-unit commercial rentals
  • Often required by lenders or property agreements

Restaurant Insurance

Full-Service Coverage for Food & Hospitality Businesses

Running a restaurant comes with many moving parts—and risks. Our restaurant insurance packages combine property, liability, equipment breakdown, and more into a streamlined policy that fits your specific operations.


  • Protection for fire, water, spoilage & equipment damage
  • Liquor liability & foodborne illness coverage available
  • Business interruption & employee-related add-ons
  • Custom-fit for cafés, diners, food trucks & full-service restaurants

We’ll Help You Cover the Essentials

From Brick-and-Mortar to Backfields—We’ve Got You Covered

Whether you're expanding your property portfolio or insuring the land you’ve worked for decades, we’ll build a policy that reflects your operation, your assets, and your risk tolerance. Let’s protect what keeps your business moving forward.

FAQs

Got a question? We’re here to help.

  • What does commercial property insurance typically cover?

    It generally covers buildings, furniture, equipment, inventory, and improvements against risks like fire, vandalism, theft, and certain weather events. You can also add coverage for things like outdoor signage or business income loss.

  • Is farm & ranch insurance different from standard business insurance?

    Yes—farm policies are built for agriculture. They include unique protections for livestock, machinery, feed storage, and seasonal income. We tailor each policy to the size and scope of your operation.

  • Do I need landlord insurance if I already have property coverage?

    Yes. Property insurance protects the structure itself, but landlord liability covers injuries or legal claims from tenants or visitors. Both are important for full protection.

  • Does restaurant insurance include food spoilage?

    It can. We offer policies that include spoilage protection from power outages, equipment failure, or contamination. 

    You can also add liquor liability, employee dishonesty, and more.

  • How do I know how much coverage I need?

    We’ll evaluate your property’s value, assets, equipment, and risk profile. From there, we’ll recommend a policy that offers solid protection—without paying for things you don’t need.

Ready to Protect Your Property?

Let’s Find the Right Fit for Your Space & Budget

Contact Us