Call Today : (720) 800-9495

Call us today: 720-800-9495

Safeguard your building and contents against potential loss with commercial property coverage.

Contact us to discuss your business and
personal insurance needs.

Property Insurance for Metro-Denver Businesses

How well your business property is protected depends on many things and requires the expertise and experience of insurance professionals that understand the nuances in the coverage terms and conditions available with a Commercial Property policy. The professional staff at Mountainside Insurance Management takes the time to assess your specific property needs and explains the coverages available to address those needs. There is nothing cookie-cutter about what we do. Your policy is as unique as the business you own.

About

We Dig Deep to Properly Insure Your Property

We provide insurance coverage for all types of businesses, including Main Street businesses, contractors, transportation firms, automotive services and warehouses, throughout the metro-Denver area. Our staff will evaluate the coverage amounts on your building and business personal property (inventory, furniture, equipment, etc.), your deductibles and coinsurance values, and how the insurance is applied.

We’ll also assess your specific property risks, which involves not only properly insuring your building and business personal property in the event of a fire, theft or other hazard, but also looking at what would happen if your operation were forced to close to rebuild for a period of time due to a covered loss. We’ll look at whether you have the right coverage to cover loss of income and ongoing expenses (payroll, utilities, etc.) during this business interruption and the timeframe involved before coverage kicks in and for how long.

In addition, we will review your policy to ensure you have increased cost of coverage in place to meet current local building codes in the event you have to rebuild after a covered loss. We’ll examine your risk in the event your equipment breaks down, particularly important for contractors and warehouse operations.

Frequently Asked Questions

Commercial property insurance covers the physical structure of your building (if owned), plus business personal property like equipment, inventory, furniture, and fixtures, against covered perils such as fire, wind, theft, and vandalism. Coverage can extend to leased locations for your business personal property even if you don’t own the building.
Generally, no — standard commercial property policies exclude flood and earth movement (including earthquake) damage entirely. Both require separate policies, and given Colorado’s exposure to flash flooding and hail, it’s worth evaluating whether your specific location and building warrant that additional coverage.
Actual cash value (ACV) pays the depreciated value of damaged property at the time of loss, while replacement cost coverage pays what it actually costs to repair or replace the item with new, similar property, without a deduction for depreciation. Replacement cost coverage costs more but typically leaves you in a much stronger financial position after a claim.
If you carry business income (business interruption) coverage, either as part of your policy or as an added endorsement, it can reimburse lost income and certain fixed expenses while your property is being repaired after a covered loss. This coverage isn’t automatic on every property policy, so it’s worth confirming it’s included.
Premium is driven primarily by your building’s construction type, age, and location, the value of the property and contents being insured, your claims history, and the specific perils and coverage limits you select. Buildings with updated roofs, sprinkler systems, and security systems often qualify for better rates.
If you lease your space, your building isn’t covered under your policy at all — only your business personal property (equipment, inventory, fixtures) needs to be insured, typically through the same commercial property policy. If you own high-value or specialized equipment, it’s worth confirming your policy limits reflect its actual replacement value rather than a generic estimate.

CALL US TO DISCUSS YOUR INSURANCE

NEEDS TODAY: (720) 800-9495