Commercial Property Insurance in Wichita Falls, TX 

Why Commercial Property Insurance Matters in Wichita Falls

Your business property is more than just a building — it’s your livelihood, your employees’ workplace, and the foundation of your success. Fires, storms, theft, and accidents can cause devastating financial losses. Having the right commercial property insurance ensures your Wichita Falls business can recover quickly and keep moving forward.


At Montoya Insurance Group, LLC, we help local business owners protect their property, equipment, and income with coverage tailored to their unique needs.

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What Our Commercial Property Insurance Covers

Our policies protect your business assets, including:

  • Company Buildings – Offices, warehouses, retail shops, and more.
  • Furniture, Equipment & Inventory – Everything inside your business.
  • Business Records & Computers – Technology and data critical to operations.
  • Outdoor Property – Fences, signage, and landscaping.
  • On-Site Equipment – Tools, machinery, and fixtures.
  • Loss of Income – Helps replace revenue if you must close temporarily.
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Common Add-Ons & Options

We can customize your property insurance with:

  • Builder’s risk coverage for construction or renovation projects
  • Ordinance & law coverage to rebuild to current codes
  • Flood and windstorm coverage (not included in standard policies)
  • Combined liability + property packages (BOP) for complete protection

Who Needs Commercial Property Insurance in Wichita Falls?

Local Risks to Consider

  • Severe Weather – Tornadoes, hail, and floods can cause extensive property damage.
  • Theft & Vandalism – Retailers and offices face risks of burglary and intentional damage.
  • Equipment Breakdowns – Machinery and tools are costly to replace or repair.

FAQs – Commercial Property Insurance in Wichita Falls

  • Is commercial property insurance required in Texas?

    It’s not legally required, but most lenders and landlords will require it — and it’s critical for financial security.

  • Does it cover flood damage?

    No, flood coverage must be purchased separately. We’ll help you add it if your location is at risk.

  • Can I combine liability and property insurance?

    Yes. We offer business owner’s policies (BOPs) that combine property and liability into one package.

  • What if I only need certain coverage?

    We tailor policies so you only pay for the coverage you actually need.

  • Do you provide bilingual service?

    Yes. Montoya Insurance Group, LLC proudly serves Wichita Falls businesses in both English and Vietnamese.

Protect Your Business Property with Confidence

Get the Right Commercial Property Insurance in Wichita Falls, TX

At Montoya Insurance Group, LLC, we treat your business like our own. With personalized guidance, access to top carriers, and policies tailored to Wichita Falls risks, we’ll help protect your property, your income, and your future.