Commercial Property Owner Insurance in California
Coverage built for commercial property owners and landlords
From a local Farmers agency in Ontario, serving the Inland Empire and all of California.
Call (909) 972-0699 or get a free quote below.
Get My Free QuoteOwning a strip center, office building, or industrial property means protecting a valuable building and the income your tenants pay. We help Inland Empire commercial landlords cover the property, the parking lot, and the rent roll.
Who we cover
- Strip center and retail plaza owners
- Office building owners
- Industrial and flex space owners
- Mixed-use property owners
- Owners of single-tenant commercial buildings
Coverage to consider
Commercial property
Covers the building and owner-provided equipment against covered losses like fire and wind.
Premises liability
Protects you when visitors are injured in common areas and parking lots.
Loss of rents
Replaces rental income while tenants can't occupy the space after a covered loss.
Equipment breakdown
Helps repair HVAC, electrical, and building systems after a covered breakdown.
Umbrella
Adds higher liability limits, often required by lenders.
Coverage options, limits, and eligibility vary by carrier and are subject to underwriting. We'll match you with the right options from the carriers available to our agency.
Common risks we help you plan for
Parking lot slip-and-falls, fires starting in a tenant's space, roof and HVAC failures, and months of lost rent after a loss are the most common claims for commercial property owners.
Why work with a local agent
Our office is at 3602 Inland Empire Blvd #C330, Ontario, CA 91764, so you can sit down with us in person or handle everything by phone and text. We review your operations, explain your options in plain language, and help when it's time to file a claim.
3602 Inland Empire Blvd #C330, Ontario, CA 91764
Office hours: 9:00 to 5:30
Phone: (909) 972-0699
Areas we serve
We work with commercial property owners and landlords throughout the Inland Empire, including Ontario, Rancho Cucamonga, Chino Hills, Chino, Upland, Fontana, Montclair, and Eastvale, and across California.
Related coverage
- Apartment, HOA, and property management insurance
- Landlord and rental property insurance
- Commercial umbrella insurance
Frequently asked questions
Should my tenants carry their own insurance?
Yes. Most commercial leases require tenants to carry liability and name you as an additional insured. We can help you review those requirements.
Does my policy cover lost rent after a fire?
Loss of rents (or business income) coverage can replace rent while the space is being repaired.
Can you insure multiple properties on one policy?
Often yes. Scheduling several buildings on one policy can simplify renewals.
Do you serve businesses outside Ontario?
Yes. Our office is in Ontario, and we serve businesses throughout the Inland Empire and across California.
Get your free quote
Farmers Insurance, Young Douglas. CA License #4091974. Coverage, discounts, and eligibility vary and are subject to underwriting.
Disclaimer
Farmers Insurance - Young Douglas provides home, auto, life, and commercial insurance products independently. References to mortgage brokers, real estate agents, or other professionals are for convenience only and do not imply a referral arrangement or financial affiliation.