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Commercial Property Insurance

It is important to protect the components of your business that are most valuable with a commercial property insurance policy. This includes computers, files, furniture and inventory.

For example, when we think about commercial property insurance for our large objects such as buildings it is often the smallest pieces of vital property that make up a great deal in terms of importance to us and can even be more expensive than their larger counterparts.

That's why protecting them against potential loss or destruction through theft or fire damage with this type of plan will help you rebuild what was lost faster by guaranteeing full replacement cost on all these essential elements under one single coverage package at an affordable price.

Worried about the costs?

Our commercial property insurance plans are scalable to your individual needs, so you can keep control of your spending on this important coverage.

We offer different types of business property insurance plans - from basic plans providing protection in case of an event leading to a loss, all the way up to more comprehensive ones that cover everything under one roof.

The type and extent of coverage is unique for every plan, but they're generally grouped by what leads them into play- fire damage or storm damage for example- and what specifically is insured against it - documents lost due to burst pipes being just one example.

What business property insurance covers

Small business 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

Common types of coverage may also include:

  • Completed value coverage to protect buildings in the process of construction that pays for the full value of the finished building in case it is destroyed.
  • Updated building codes can add expense when repairing or replacing damaged or destroyed property—you’ll be covered.
  • Loss of business income in case damage or destruction of business property results in billing problems or extended work stoppage (typically covers payroll,rental income and other expenses.)
  • 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.
    Earthquake or volcanic eruption, while rare, are covered by deductible based upon on a predetermined percentage of property value.
  • Utility services failure or damage caused by power outage, water main break or natural gas transmission interruption.
  • 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.)

Why We're Different

You may think you want the cheapest insurance policy, but realize there is more to it than just pricing.
While most insurance products are similar in price and function, the providers of those policies differ when it comes to structuring a plan that actually covers you.

There's no such thing as a one-size-fits all type of protection for your business; we're here to help tailor an affordable and responsive plan that does what’s right for your situation. Contact us today and let our professionals take care of building up the best possible defense so you can shield yourself from any potential problems down the road!

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