Commercial Property Insurance That Protects What Keeps You Running in Central Minnesota
Smart, Personalized Coverage From Your Local Experts in Germantown, MD
Whether you own a retail shop, lease office space, or operate a workshop from your farm, the property you rely on deserves the right protection. At Cornerstone Insurance, we provide commercial property insurance tailored to how Central Minnesota businesses actually work.
From buildings and equipment to inventory and supplies, we help ensure that a fire, theft, or weather event doesn’t derail your business for the long term.
What Commercial Property Insurance Covers
This policy safeguards the physical assets your business owns, rents, or depends on—whether in one location or multiple.
Buildings & Structures
Covers the commercial property you own or lease, including fixtures, flooring, windows, and attached equipment.
Business Personal Property
Protects the contents inside your business: desks, tools, computers, shelves, and more.
Equipment & Specialized Tools
Coverage for the machinery and tools used in your day-to-day operations—even if stored offsite.
Inventory & Product Stock
Insures your products, parts, and raw materials against damage or loss.
Theft & Vandalism Loss
Protects your business from the financial impact of break-ins, vandalism, or burglary.
Optional Add-Ons That Strengthen Your Coverage
Business Interruption Insurance
Helps cover lost income and ongoing expenses if your business can’t operate due to a covered loss.
Equipment Breakdown Coverage
Covers internal system failures or damage to key machinery caused by power surges or mechanical breakdowns.
Outdoor Signage & Fixtures
Protection for business signs, fencing, lighting, and landscaping often excluded from standard property policies.
Sewer Backup or Flood Insurance
Additional protection for water damage caused by sewer overflow or localized flooding.
Why Small Business Owners Work With Cornerstone
Your Property Is the Backbone of Your Business
Commercial buildings, inventory, and tools aren’t just assets—they’re the foundation your business runs on. Without the right protection, one unexpected loss can lead to downtime, repair costs, or permanent closure.
That’s why Cornerstone Insurance Agency provides locally informed guidance and commercial property insurance options that fit your actual setup—whether you’re in St. Stephen or anywhere in Central Minnesota.
Competitive policies from top-rated commercial insurers
Clear advice from responsive local agents
Smart bundling with commercial auto and liability options
Commercial Property Insurance FAQs
Do I need this if I rent my business space?
Yes. While your landlord insures the building, you’re responsible for your equipment, furniture, and inventory inside.
Is commercial property coverage required by lenders?
Often, yes—especially if you’re financing or leasing space. We’ll help you meet lender requirements while protecting your assets.
Does this cover loss due to theft or fire?
Yes. These are common covered events—but we’ll review your policy together to confirm all included protections.
What about equipment stored off-site?
Some policies include off-premises coverage. We’ll make sure your mobile or stored tools are protected properly.
Let’s Get You on the Road
Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.
Let’s Secure the Space Where Your Business Grows
At Cornerstone Insurance, we help Central Minnesota businesses protect what keeps them open, productive, and moving forward. From buildings to inventory, we’ll make sure your commercial property insurance actually reflects how you operate.