Protect the Place Where Business Happens
Commercial Property Insurance in Missouri
Coverage for Your Building, Equipment, and Everything That Keeps You Running
Missouri Business Property Insurance With Personal Support
From retail shops to offices, warehouses to nonprofit facilities, if you rely on a physical location, you need protection that goes beyond locks and alarms. At Fortner Insurance, we help Missouri businesses safeguard their buildings, inventory, equipment, and more with commercial property insurance that’s built around real risk. We’ll help you choose the right coverage based on your location, operations, and budget, and we’re always here to help if something goes wrong.
What We Offer
Business Property Insurance for Missouri Companies, Churches, and Nonprofits
Building Coverage
Protects your owned or leased space from fire, storms, vandalism, and other damage.
Business Personal Property
Covers equipment, furniture, fixtures, tools, and inventory inside your location.
Outdoor Fixtures & Signage
Optional coverage for fences, signage, and outdoor business property.
Loss of Income/Business Interruption
Helps replace income if a covered event forces you to temporarily shut down.
Equipment Breakdown
Covers damage to essential machines like HVAC units, refrigeration, or electrical systems.
Tenant Improvements
Covers upgrades or customizations made to a leased space.
Bundle Options
Combine with
general liability or
workers’ compensation as part of a Business Owners Policy (BOP).
Why Missouri Businesses Work With Fortner
Local Agents. Straight Answers. Real Support When It Matters.
We Understand Missouri Risk
From tornado damage to water leaks, we help businesses prepare for the risks they face most.
We Work With All Kinds of Clients
Retail, offices, contractors, nonprofits, churches, we tailor each policy to the property and the mission behind it.
We’re Independent
We’re not tied to just one carrier. That means better options, smarter pricing, and advice that puts your business first.
Commercial Property Insurance FAQs
What Missouri Business Owners Ask Most
Do I need commercial property insurance if I lease my space?
Yes. Even if you don’t own the building, you’re still responsible for what’s inside—like your inventory, equipment, and upgrades.
What’s the difference between general liability and property insurance?
General liability covers third-party injury or damage. Property insurance protects your own physical assets.
Does this coverage include natural disasters?
It depends on the event and the policy. We’ll walk you through whether your coverage includes wind, hail, or flood damage.
How is the value of my building determined?
We can insure at replacement cost or actual cash value. We’ll help you choose based on your goals and budget.
Can I bundle commercial property with other policies?
Yes—many small businesses bundle property with liability and other coverage in a BOP (Business Owners Policy).