Protect the Place Where Your Business Grows.
Your building, equipment, and inventory are the foundation of your success. At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock business owners safeguard their physical assets with Commercial Property Insurance that protects against fire, storms, theft, and more — so you can focus on running your business, not recovering from disaster.
Commercial Property Insurance covers the buildings, tools, and contents your business relies on every day.
Whether you own your workspace or lease it, this policy helps repair, rebuild, or replace damaged property after a covered event such as fire, hail, wind, vandalism, or theft.
If it has walls, a roof, or valuable contents inside — it needs protection.
Castle Rock’s rapid commercial growth brings opportunity — and exposure. Between Colorado’s hailstorms, wildfires, and heavy winds, business owners face a range of risks that can damage property and disrupt operations.
A single event could cost thousands in repairs or replacements.
Commercial Property Insurance provides financial security, helping you recover quickly and continue serving your customers.
Common Local Risks Covered:
Fire, lightning, or explosion damage
Wind or hail (especially common in Douglas County)
Theft or vandalism
Burst pipes and water damage
Equipment and inventory loss
Damage to outdoor signs, fences, or landscaping
A strong property policy can include:
1. Building Coverage
Protects your owned structure, attached fixtures, and permanently installed equipment.
2. Business Personal Property
Covers your office contents, inventory, furniture, computers, and supplies — even if you lease your space.
3. Equipment Breakdown
Pays for sudden mechanical or electrical failures not covered by standard property insurance.
4. Business Income (Interruption)
Replaces lost income and helps pay ongoing expenses if your business must temporarily close after a covered event.
5. Extra Expense Coverage
Covers the cost of relocating and setting up operations elsewhere while repairs are made.
Every Castle Rock business is unique. RMIA helps you customize coverage with endorsements like:
Outdoor property (signs, fences, landscaping)
Inventory floaters for movable property
Valuable papers and records
Spoilage coverage for food or perishable goods
Flood and earthquake protection (available separately)
If you own or lease a business space, this policy is essential.
Ideal for:
Retail stores and restaurants
Medical and dental offices
Warehouses and manufacturing facilities
Apartment and commercial building owners
Professional and service offices
Even home-based businesses may need property coverage not provided by homeowners insurance.
Castle Rock’s diverse business landscape — from historic downtown storefronts to modern developments along I-25 — faces unique property risks.
RMIA helps you evaluate replacement costs, coverage limits, and deductibles that align with Colorado’s weather patterns and local rebuilding costs.
We also coordinate policies for multi-location and mixed-use buildings across Douglas County, Parker, Highlands Ranch, Monument, and Denver.
It covers your building, business equipment, inventory, and furnishings against losses from fire, hail, theft, and other covered perils.
While not legally required, most landlords and lenders in Colorado require proof of coverage before leasing or financing property.
No — those risks require separate policies. RMIA can help add them if your property is in an exposed area.
Coverage should reflect the full replacement cost of your building and contents. RMIA helps calculate accurate limits based on today’s local construction costs.
Not typically — for movable tools or mobile equipment, you’ll need Inland Marine Insurance, which we can include in your plan.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Your location is your livelihood — make sure it’s protected against the unexpected.
Let RMIA design a commercial property policy that keeps your business standing strong.
