Commercial property insurance provides protection for a covered loss. If you rent, lease or own the building, property insurance can help keep your business open if a loss occurs.
Commercial Property Insurance
Protecting Your Business
Personal Property.
Commercial Property coverage usually consists of the following three components:
Your Building
The structure on your owned premises where you conduct business or a structure that you rent or lease to others.
Business Personal Property / Contents
Consists of both fixtures and furnishings owned by your company but are not part of the building itself.
Business Income
(sometimes referred to as Business Interruption coverage) Covers the loss of income that a business suffers after a disaster. It pays for continuing expenses, such as mortgage, advertising, taxes and payroll in the event you have a covered property loss and your business is forced to close temporarily.
Other Available Coverages:
Loss of Rental Income.
Tenant Improvements & Betterments (TIB).
Ordinance or Law.
What Is Not Covered
Inland Marine - Tools and equipment, fine arts, antiques, computers, property in transit used to build or install property at another premises.
Automobiles
General Liability
Flood
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