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Commercial Property Insurance

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Commercial Property Insurance

Owning a business comes with many responsibilities, including protecting your assets. Commercial property insurance is designed to safeguard your business against unforeseen events that could result in property damage or loss.

Types of Commercial Property Insurance Coverage:

  • Basic Form: covers common perils such as fire, theft, and natural disasters.
  • Broad Form: covers additional risks like water damage, roof collapse, and damage caused by snow or ice.
  • Special Form: covers all risks except those specifically excluded in the policy.
  • Business Interruption: covers lost income and expenses when your business is forced to shut down temporarily due to a covered loss.
  • Equipment Breakdown: covers repair or replacement costs for mechanical or electrical equipment that breaks down.

Factors Affecting Commercial Property Insurance Premiums:

  • Location
  • Building Age and Condition
  • Building Use
  • Deductibles

Benefits of Commercial Property Insurance:

  • Protects Your Investment: commercial property insurance can help you avoid financial ruin if your business assets are damaged or lost.
  • Provides Peace of Mind: knowing that you're covered in the event of a disaster can help reduce stress and anxiety.
  • Enhances Business Stability: Insurance can help your business recover faster after a loss, reducing the impact on your operations and reputation.
  • Mitigates Liability: some policies can include liability coverage, protecting your business from property damage or injury lawsuits.

Why choose us?

We understand your business is important to you, so we offer reliable and affordable commercial property insurance coverage. With our customizable options, competitive rates, experienced agents, quick claims processing, exceptional customer service, and strong reputation in the industry, you can trust us to protect your business assets and provide you with peace of mind. So choose us for your commercial property insurance needs and let us help you safeguard your business.

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Damage to property
Loss of important documents
Loss of inventory
Making risky investments

Damage to property coverage

Risk Factors

Your small business is located in California, and it’s been a dry season. Unfortunately, California is prone to wildfires. Your business property is destroyed in the fire.

Solution

Your insurance company will cover the cost of rebuilding the property, income lost during the period of rebuilding, and any equipment that was destroyed in the fire.

Loss of important documents coverage

Risk Factors

A sudden circuit failure in the night burns down a room full of important documents and past records.

Solution

Your insurance company will be paying you for the reimbursement of making the documents again.

Loss of inventory coverage

Risk Factors

You show up at your business office to find the door ajar and broken glass everywhere. You see that all of your computers have been stolen.

Solution

If you choose replacement cost value under your property insurance, your insurance company will replace the broken window and computers.

Making risky investments coverage

Risk Factors

Storms sweep through your area and a tornado touches down close to your small business. A tree has fallen through the side wall damaging your furniture badly.

Solution

Your insurance company will process your claim and cover the cost of repair or replacement to your commercial property.

Personal Possessions Coverage

Risk Factors

You mastered the basics of surfing during lessons in Hawaii but your wedding ring is stolen.

Solution

With personal possessions coverage, lost jewellery is covered up to your policy limits.

Already have Commercial Property Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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