I ain’t gonna lie—running a business is already hard enough. Then one day you realize, wait… what if my stuff gets wrecked? Flood? Boom. Gone. Thieves? Yeah, they exist. That’s when I started digging into InsureDirect.

So, okay. You got buildings, gear, office chairs, the fancy printer, your inventory—all that jazz? If any of that goes poof, you’re in trouble. That’s what commercial property insurance is about. Covering the important things, you know?

To be honest, I thought insurance folks were all the same. Spoiler alert: nope. I went with InsureDirect because they just made sense. Like, their people actually talked to me like I was a human and not some spreadsheet.

Every biz is a bit weird. Mine? I run a hybrid office–slash–production studio. So I didn’t want some cookie-cutter plan that fit someone else’s situation. InsureDirect gave me something custom. They literally asked questions I hadn’t even thought of.

Also, price? Surprisingly not painful. They didn’t sneak weird fees into the corners of the policy. I checked. Twice. It was just straight-up what I needed, at a price that didn’t make me wanna cry.

Speed? Okay, here’s the kicker. A pipe burst last March—total chaos. Ceiling tiles collapsed. Monitors drenched. We called InsureDirect. Claim started same day. Payout came faster than I got my espresso that morning.

You ever get insurance that actually works when you need it? That’s gold. The rep even followed up after we got the check. Not kidding.

I got friends who run shops in Texas, a couple folks out in Philly, one in Oregon—they all got coverage from InsureDirect. Apparently, doesn’t matter where you’re based. They got 50-state coverage. Handy, especially for folks with multiple locations.

They also offer solid support, not just when you’re crying into your keyboard, but, like, before things go sideways. Their team helped me adjust my coverage when I expanded. No upsell garbage, just good advice.

Lemme break it down—what they covered for me:

The building I lease
All the gear: cameras, lights, laptops
Furniture (yes, even the weird green couch)
My product inventory
Outdoor signage (which was NOT cheap)

I added some extras too. Like equipment breakdown, because tech dies at the worst moments. Also tossed in business interruption coverage. That one basically saved me from financial doom last spring.

Let me paint you a picture—imagine this: you own a flower shop. A short-circuit causes a fire. Toasts your front desk, coolers, and half your tulips. With InsureDirect? You’re not left panicking. They’d cover damages, repairs, even help while your place is closed for cleanup. That’s what I mean by peace of mind.

And no, not just retail or fancy stores need this. Any business with a space, equipment, or inventory should seriously think about it. Dentists. Hair salons. Even freelance photographers with a home studio—yeah, that counts too.

Getting a quote took like… 4 minutes? I hopped on InsureDirect.com, filled out some stuff, got a call from a rep who didn’t try to “sell” me anything. Just listened. We went over coverage options and I was good to go by the next morning.

Listen. I’m not saying insurance is fun. It’s not. But needing it and not having it? That’s a nightmare. Been there. Don’t recommend.

With InsureDirect, I sleep better. Simple as that.

They didn’t just hand me a policy. They handed me a parachute—just in case I ever crash.

Wanna protect your biz? Head over to InsureDirect.com, or call them at (800) 807-0762 ext. 602. Honestly, it’s one of the smarter choices I’ve made.