Commercial Property Insurance - Lloyd Sadd Insurance Brokers
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Protect Your Alberta Business:
Comprehensive Commercial Property Insurance

Feel at ease knowing your building is safeguarded against unexpected events.

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Trusted by Over 2000 Alberta Businesses
for Professional Liability Coverage

Property Insurance Coverage For Your Business

At Lloyd Sadd, we understand the unique needs of small and medium-sized brick-and-mortar businesses throughout Alberta. From office buildings and retail stores to manufacturing facilities and hospitality venues, we offer comprehensive commercial property insurance solutions designed to protect your valuable assets.
  • Commercial Property
  • Property Contents
  • Additional Coverages to Consider

The physical structure of your building, including walls, roof, floors, and permanent fixtures.

Inventory, furniture, equipment, machinery, and other business-related items located within your building.

Depending on your specific business needs, you may want to consider additional coverage options such as:

  • Loss of Income: Covers lost income due to an insured event that prevents you from operating your business. Business interruption coverage provides financial protection in case your business operations are forced to halt due to a covered event, such as a fire or flood.
  • Extra Expense: Pays for additional expenses incurred to keep your business running after a covered loss, such as temporary relocation costs.
  • Data Breach Coverage: Protects your business from financial losses associated with a data security breach.
  • Equipment Breakdown: Covers the cost to repair or replace damaged machinery and equipment.
GET A FREE QUOTE Let’s talk about your specific needs with one of our
Lloyd Sadd advisors.

Why Personalized Risk Consultation Offers Better Protection

At Lloyd Sadd, we go beyond just providing insurance policies. We take the time to understand your unique business operations and exposures. Our dedicated commercial insurance advisors will work with you to give you the protection you need.

Tailor a Business Property Coverage Plan

We create a comprehensive insurance plan that reflects your specific property types, contents, and potential risks.

Proactive & Cost-Efficient Risk Management

Our advisors identify potential hazards and recommend strategies to minimize the chance of a loss, helping you control your insurance costs.

Competitive Premiums

With our strong relationships with leading insurance providers, we negotiate competitive rates for your Alberta business.

Businesses in Alberta Rely on Lloyd Sadd for Customized Risk Solutions

We all know that insuring your Business is not as simple as insuring your car or your home. Every business is unique, and needs a package of insurance that meets that business’ needs and provides the level of protection you’re comfortable with. Lloyd Sadd Insurance has helped me achieve the right type of insurance package.

Alta Window<br>
Mfg. Inc.
Alta Window
Mfg. Inc.

Nason Contracting Group was previously insured by a national brokerage firm and we felt that a change was needed. Our experience with Lloyd Sadd has been an excellent one as they are very committed to our organization’s growth and success. They take an industry specialization approach and this has truly worked for us because their Construction Practice understands our construction issues.


This is a relationship that has been very beneficial to Keller and one that we value to the same degree as our legal and accounting firms. These are all important business partners to Keller – they help us grow successfully.


From independent retailers to established manufacturers, Lloyd Sadd offers commercial property insurance
solutions for a wide range of Alberta businesses. Here are some examples.

Retail Stores

Protect your inventory, furniture, and point-of-sale equipment from fire, theft, and water damage.

Restaurants & Hospitality

Safeguard your property, equipment, and business interruption in case of a fire, kitchen malfunction, or power outage.


Cover your office building, furniture, and technology against various perils.

Manufacturing Facilities

Protect your valuable equipment, machinery, and inventory from damage caused by fire, theft, or power surges.


Secure your tools, equipment, and vehicles used for your contracting business.

Ready to get started?

Give us a call at 1.800.665.5243 or get a free online quote. Our experts will reach out to you to create the best insurance plan for your needs at an affordable price.

Get a Free Quote >

Timely & Responsive Claims Settlement

In the unfortunate event that you need to make a claim, Lloyd Sadd is here to support you every step of the way. Our experienced claims adjusters will resolve the issue in a responsive manner.

Advocate on Your Behalf

We work diligently to ensure you receive a fair and fast settlement for your covered losses.

Prompt Loss Incident Reporting

We guide you through the claims process efficiently to minimize disruption to your business.

Lowering Financial Impact

Our team works towards minimizing the financial impact of a covered event by assisting you with a smooth claims settlement process.

Proactive & Fair Settlements

We strive to reach a fair and prompt settlement on your behalf to get your business back on track quickly.

Navigating Commercial Property Insurance in Alberta

What is commercial property insurance?

Commercial property insurance acts as a safety net for your Alberta business. It protects the physical structure of your building, the contents within, and often compensates for lost income if a covered event forces you to close. This insurance safeguards your investment against various perils, allowing you to focus on rebuilding and getting your business back on track.

How much is insurance on commercial property?

The price tag for commercial property insurance in Alberta depends on several factors unique to your business, such as:

  • Property details: Type, size, location, and value of your building.
  • Business operations: The nature of your business and its risk profile.
  • Claims history: Past insurance claims can impact your premium.
  • Coverage selections: The specific coverages and limits you choose will influence the cost.

Tip: Lloyd Sadd offers free quotes! Get in touch to receive an accurate estimate tailored to your business’s needs.

What does commercial property insurance cover?

Commercial property insurance typically shields your business from a variety of threats that can damage your property or contents. Here are some common examples:

  • Fire: Damage caused by accidental fires.
  • Theft: Losses due to break-ins or stolen equipment.
  • Vandalism: Malicious acts causing property damage.
  • Weather events: Damage from hail, windstorms, or other weather-related incidents.
  • Water damage: Burst pipes or other water-related issues.

Additional coverages may be available depending on your policy, such as business interruption due to a covered event, equipment breakdown, or data breach.

What is excluded from commercial property insurance?

While commercial property insurance offers peace of mind, it’s important to understand what’s not covered. Standard policies typically exclude certain events or situations. Here are some common exclusions:

  • Floods or earthquakes: Separate coverage may be available for these specific perils.
  • Normal wear and tear: Gradual deterioration of your property is not covered.
  • Intentional damage: Damage caused by the owner or someone acting on their behalf is excluded.
  • Loss due to power outages: Business interruption coverage may be needed for this.

What is commercial property and casualty insurance?

Commercial property and casualty insurance is a broader term encompassing two key areas:

  • Commercial property insurance: Protects the physical assets of your business, as discussed previously.
  • Commercial general liability insurance: Protects your business from third-party claims of bodily injury or property damage arising from your operations.

While some policies might bundle these coverages, they can also be purchased separately depending on your specific business needs.

Ready to get started?

Give us a call at 1.800.665.5243 or get a free online quote. Our experts will reach out to you to create the best insurance plan for your needs at an affordable price.

Get a Free Quote >