Commercial Property

Commercial Property Insurance in Miami, FL

Protecting the Property That Powers Your Business

Your commercial property is one of your most valuable assets. At WayGuard Insurance Group, we provide tailored commercial property insurance solutions for businesses in Miami and throughout Florida, including protection from the region’s most significant risks: flood and windstorm damage.

As an independent insurance agency, we represent you, not the carriers. That means we shop the market to secure the most competitive coverage for your building, equipment, inventory, and more.

What Does Commercial Property Insurance Cover?

Our policies protect against loss or damage caused by:

• Fire, smoke, or lightning
• Theft and vandalism
• Burst pipes and water damage (non-flood)
• Windstorm and hurricane damage (essential in Florida)
• Flooding (available as an add-on or separate policy)
• Equipment breakdowns
• Loss of income due to property damage (Business Interruption)

Whether you own an office, restaurant, warehouse, retail shop, or mixed-use building, we’ll help protect your investment with coverage tailored to your risks.

Windstorm & Hurricane Insurance in Miami

In South Florida, windstorm and hurricane coverage is critical. Many standard commercial property policies exclude wind damage, or apply high deductibles.

We’ll help you:

• Understand your wind coverage limits and deductibles
• Add or enhance hurricane protection where needed
• Work with carriers that specialize in Florida’s coastal risks

Flood Insurance for Commercial Properties

Standard commercial property policies do not cover flood damage and Miami is a high-risk flood zone.

We offer:

• National Flood Insurance Program (NFIP) coverage
• Private flood insurance options with higher limits and lower premiums
• Protection for buildings, contents, and loss of income

Even if you're not in a designated flood zone, your lender or lease may still require flood insurance.

Why Work With WayGuard Insurance Group?

• We Are Independent: We work with multiple carriers, not just one.
• Local Expertise: We understand South Florida’s property risks and insurance landscape.
• Custom Solutions: Coverage tailored to your property type, location, and industry.
• Claims Support: If disaster strikes, we’re on your side, helping you get back up fast.

Who We Insure

• Office buildings & medical suites
• Apartment buildings & investment properties
• Retail stores & shopping centers
• Warehouses & distribution facilities
• Restaurants, salons, and service businesses
• Condo associations & mixed-use buildings

Request a Commercial Property Insurance Quote

Protect your property and your livelihood with commercial property insurance that’s built for Miami’s unique risks. At WayGuard Insurance Group, we’re here to help you make informed, confident coverage decisions.

Get a Free Quote.
Speak with a Local Advisor Today!

‍