Commercial Business / Commercial Property Insurance.

If your either starting a business, or if you have an existing one, then you need a great insurance agents to properly analyse your business and give you the options you need in order to be properly covered.  Most commercial business owners do not even know that certain valuable coverage’s exist.  Let one of our qualified agents work with you today.  We will explain the coverage options to you in great detail to ensure that your business is covered correctly

Your business is not the same as the next business owner; why should your coverage be the same?  Unless your agent has spoken to you about the following coverage’s, maybe the coverage you think is right for your business is actually all wrong.  

Commercial Property Insurance – Commercial property insurance protects your company’s physical assets from fire, explosions, burst pipes, storms, theft and vandalism. Earthquakes and floods typically aren’t covered by commercial property insurance, unless those perils are added to the policy.

Commercial Business Property Insurance – Often known as ‘BPP’, Business Personal Property refers to non-real property owned by a business. … Similar to Personal Property coverage in a Homeowner’s policy, Business Personal Property covers nearly all items of value that aren’t considered a structure, fixture, automobile, watercraft, or aircraft

Commercial Business interruption Coverage –  (also known as business income insurance) is a type of insurance that covers the loss of income that a business suffers after a disaster. The income loss covered may be due to disaster-related closing of the business facility or due to the rebuilding process after a disaster.

Law & Ordinance Insurance Coverage -is defined as Coverage for loss caused by enforcement of ordinances or laws regulating construction and repair of damaged buildings. Older structures that are damaged may need upgraded electrical; heating, ventilating, and air-conditioning (HVAC); and plumbing units based on city codes.

Spoilage Insurance Coverage – It includes perishable property damage caused by a change in humidity or temperature due to an equipment failure, power failure, or contamination. The cost of replacing your food, produce, or product — and even your lost income — can be covered by a spoilage coverage and food contamination insurance policy

Dishonesty Insurance Coverage  It is also known as employee theft coverage. Employee theft coverage may be written alone or in conjunction with other crime coverage’s, such as Computer Fraud Coverage, under a commercial crime policy. Crime coverage is a type of commercial property insurance

Computer Fraud Insurance Coverage – Computer fraud insurance provides protection against the loss of money, securities or other property using a business’s computers, according to the Insurance Risk Management Institute. The coverage may be bought as a stand-alone policy or as a rider to a comprehensive commercial crime policy.

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