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Commercial Property Insurance
Locally Owned and Operated Insurance Agency
Serving Orlando, FL - Winter Park, FL - Winter Garden, FL - Clermont, FL, Saint Cloud, FL and Surrounding Cities
Commercial Property Insurance in Central Florida
Protect your investment with a local, independent insurance agency. O’Neil, Lee + West has been serving business owners in Central Florida since 1917.
Whether you own an office building, retail property, warehouse, or mixed-use space, commercial property insurance can help protect your structure, improvements, equipment, and other covered assets from losses caused by events such as fire, theft, vandalism, storm damage, and certain types of water damage. Our team takes the time to understand your property, your operations, and the exposures that could affect your long-term stability.
In Central Florida, local knowledge matters. Weather related risks, changing property values, and lease or occupancy considerations can all influence the right coverage strategy. O’Neil, Lee + West works closely with commercial property owners to find insurance solutions that are practical, responsive, and aligned with their goals.
Commercial Property Insurance Quote
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Protecting the Things that Matter Since 1917
For over 100 years, O’Neil, Lee & West has been a trusted choice for insurance in Orlando. We offer a variety of personal and commercial insurance coverage and work with you to make sure your coverage remains relevant to your needs.
Commercial Umbrella
You can’t always plan for the unexpected. A commercial umbrella policy helps protect your business in the event of an accident by providing additional liability protection when your underlying policy limits have been exhausted. Don't chance your dream, protect it.
General Liability
With the daily uncertainties of business management, liability coverage is a necessary precaution. No matter how much you plan, accidents happen – on-site, off-site, and with customers. Liability insurance helps cover medical expenses, attorney fees and damages.
Affluent Insurance Coverage
You’ve spent a lifetime acquiring assets. Protect what you’ve built. We understand what’s at stake. Your home, autos, boats, and collections are unique, and not all policies are created equal when protecting high value property and liability.
Personal Umbrella
When accidents happen, a personal umbrella insurance policy can protect you by providing additional liability protection when your underlying policies have been exhausted. Protect what's personal important to you.
Auto Insurance
Determining the most suitable auto insurance policy can sometimes be complex. Our team works with multiple insurance companies to offer coverage at a competitive price, creating a safety net for the unexpected.
Homeowners Insurance
Your home is one of your most important investments, full of memories and belongings that are unique to you. Since we represent many insurance companies, we can help find you coverage for your home.
Frequently asked questions for Central Florida commercial property insurance
Commercial property insurance commonly helps protect the building you own or the space you occupy, plus business personal property such as furniture, fixtures, tools, equipment, and inventory. Many policies can also be structured to include business income and extra expense exposures so you can manage ongoing costs when a covered loss forces a temporary shutdown.
Yes, in most cases. If you rent, your landlord’s policy typically protects the building they own, not your inventory, furniture, equipment, or improvements you paid for inside the space. Commercial property insurance is often the mechanism used to insure your business contents and tenant improvements.
Many policies can cover wind related damage from storms, but the exact scope depends on the policy contract. Flood insurance is generally purchased on a separate policy.
Yes! Most commercial property insurance policies exclude flood or have very limited coverage. O’Neil, Lee + West can provide you with flood insurance options.
Simply put, business income and extra expense coverage can help when your business is temporarily shut down due to a covered property loss. It can help replace income and help pay certain ongoing expenses while repairs are underway, which can be critical when storm disruption affects customers, suppliers, and staffing. Not all insurance policies are the same. It is important to have an agent at O’Neil, Lee + West to explain the coverage and provide you with policy details.
We start with the address, the type of operation, and whether you own or lease. For Central Florida locations, including Orlando and nearby communities such as Winter Park, Altamonte Springs, Lake Mary, Sanford, Kissimmee, Clermont, and DeLand, we then review building characteristics, occupancy, protection features, and the values to insure for building, contents, inventory, and improvements. If you prefer, you can begin through the Request a Quote option provided by O’Neil, Lee + West, or you can call the Orlando office.
Hurricane, named storm, or windstorm deductibles may apply depending on the trigger selected by the insurance company and the policy terms. These deductibles are often stated as a dollar amount or as a percentage, and they can materially change your out-of-pocket cost after a covered wind event.
Often, yes. If your lease makes you responsible for the finishes or upgrades inside the space, you can frequently insure those tenant improvements and betterments. An insurance agent at O’Neil, Lee + West can help you line up the coverage with the lease language and with any landlord insurance requirements, which is especially important for retail, office, and light industrial properties across Central Florida.
At least annually, and anytime you renovate, add costly equipment, change locations, or significantly change inventory levels. O’Neil, Lee + West will review your insurance program on an annual basis and throughout the year as your business operations change.
