Commercial Property Insurance

How much business could we actually do without computers, files, furniture and product inventory? Protect these key components against the devastating effects of their loss with a business property insurance policy.

When most of us think of commercial property insurance, thoughts may gravitate towards large objects such as buildings. But it’s often the smallest pieces of commercial property that are most important to your business.

That’s why a great commercial property insurance policy will help you survive the loss of any vital property, whether large or small. With this policy, you will be protected for the replacement cost of all of your vital property.

Commercial Property and Business Personal Property insurance is one of the most important investments ensuring the future of your business. Here are some of the important aspects of your business that commercial property insurance helps protect:

• Your building
• Your outdoor sign
• Your furniture and equipment
• Your inventory
• Your fence and landscaping
• Other’s property

Our agency understands your business is unique. That’s why we take the time to help craft a commercial building insurance policy to fit your unique needs, offering a wide range of options that give you both flexibility and protection, at a price your business can afford.

Common types of coverage may also include:

• Builder’s Risk is to protect buildings in the process of construction or heavy renovations.
• Law and Ordinance Coverage, Updated building codes can add additional expense when repairing or replacing damaged or destroyed property during a covered loss.
• Loss of business income covering loss of income suffered by a business when damage to its premises by a covered cause of loss causes a slowdown or suspension of its operations
• Equipment breakdown coverage for damage caused by electrical and mechanical equipment through explosions, breakdowns and electrical arcing.
• Flood insurance to cover losses to buildings and contents due to flooding, typically backed by the government supported National Flood Insurance Program.
• Utility services failure or damage is Coverage for loss due to lack of incoming electricity caused by damage from a covered cause (such as a fire or windstorm) to property away from the insured's premises.
• Inflation allowance adjusting property valuations to allow for increased construction costs due to inflation (usually set percentage based on the inflation index in the area.)

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.