Commercial Property Insurance


For more than seven generations, Gilbert’s Risk Solutions has been helping Pennsylvania businesses to protect their commercial property and assets. While some risks span the generations – fire, theft, and storm damage – we’ve gotten much more sophisticated about loss prevention and mitigating losses should problems occur.

In Pennsylvania, commercial property insurance is fundamental to protecting your business. This coverage protects any buildings that you own or lease, as well as the contents and physical assets within those buildings. It’s available as a stand-alone coverage or it is included in the package of coverages in a Business Owners Policy (BOP).


Pennsylvania commercial property insurance covers losses caused by such perils as fire, smoke, wind, theft, and vandalism up to the policy limits. It also covers costs for business interruption should you suffer lost income related to the covered damage. You can add optional endorsements to extend your protection. Examples of common endorsements include flood coverage, valuable papers and records coverage, and debris removal coverage. We work with 100+ of the nation’s premier insurers so can tailor the right coverage to your needs.


While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk and we look forward to helping you, too – no matter where it is that you call home.

What types of property do I need to insure?


  • Buildings and other structures (owned or leased)
  • Furniture, equipment, and supplies
  • Inventory
  • Money and securities
  • Records of accounts receivable
  • Improvements and betterments you made to the premises
  • Machinery
  • Boilers
  • Data processing equipment and media (including computers)
  • Valuable papers, books and documents
  • Mobile property such as automobiles, trucks, and construction equipment
  • Signs, fences, and other outdoor property not attached to a building
  • Leased equipment

Our goal is to be your outsourced risk management partner

Business owners know that there’s always something that can go wrong.  Whether it’s a production delay due to a problem in the supply chain or a worker injury on the plant floor, you need to protect your operations, your productivity, and your bottom line. Gilbert’s Risk Solutions can help.

Our goal is to be your outsourced risk management partner

You have enough to worry about with growing your business, you shouldn’t have to focus on things that could go wrong. Gilbert’s Risk Solutions partners with businesses to identify areas of potential property exposure. We then recommend solutions to mitigate the risk and financial products to protect you should problems occur. When it comes to protecting your operations, your productivity, and your bottom line, Gilbert’s Risk Solutions can help.

Our Process

Although insurance is a critical component in business protection, it’s only one component. To prevent losses, it’s important to also manage your risk. The Gilbert’s Risk Solutions process is a consultative one, based on a risk management approach. Our proprietary RISK SHIELD® Process identifies your exposures and puts a loss control plan in place to mitigate those exposures. Often, the solution is an insurance product but, frequently, it’s a recommendation for a business process or a measure that will reduce an exposure.

Tailored Solutions

For many businesses, a stand-alone Pennsylvania commercial property insurance policy or a package of coverages such as a Business Owners Policy (BOP) will offer good property protection, but there may be industry specific coverage in the form of endorsements that would be beneficial. We’ll make recommendations based on our risk assessment, and we’ll also help you explore whether cash value or replacement cost options are best for your unique circumstances.

360 Degree Approach

We take a 360 degree view of your business to ensure that all aspects of your business are secure. Our team of experts in Loss Control, Employee Benefits, Human Resources, and Surety Bonds are all available to our Gilbert’s Risk Solutions commercial clients, ensuring multi-pronged risk mitigation.