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Protecting Your Business Assets: Commercial Property Insurance
Your business is more than just a building. Whether you own, lease or rent your space, protect all your valuable assets with affordable coverage that make sense for your bottom line.
Affordability for your day-to-day.
Our expert team understands the value of your business property, and we’re here to tailor a comprehensive insurance plan that safeguards your investments, ensuring your operations hold up amongst a changing landscape.
qualifications
Who needs commercial property insurance?
This coverage is essential for businesses of all sizes and industries, to ensure the continuity of operations even in the face of unexpected events.
Retailers Insurance
Stores, shops, and boutiques.
Restaurants Insurance
Eateries, cafes, and dining establishments.
Manufacturers Insurance
Companies involved in production and manufacturing.
Retailers
Stores, shops, and boutiques.
Restaurants
Eateries, cafes, and dining establishments.
Manufacturers
Companies involved in production and manufacturing.
Service Providers
Professional services firms, healthcare providers, and consultants.
Service Providers Insurance
Professional services firms, healthcare providers, and consultants.
Tech Companies Insurance
Software developers, IT firms, and technology startups.
Industrial Businesses Insurance
Warehouses, factories, and distribution centers.
Tech Companies
Software developers, IT firms, and technology startups.
Industrial Businesses
Warehouses, factories, and distribution centers.
Office-Based Businesses Insurance
Small businesses, corporate offices, and startups.
Office-Based Businesses
Small businesses, corporate offices, and startups.
Coverages
Get covered and stay covered, with a comprehensive policy.
Building
Protects the physical structure of your business property, including the building, roof, walls, and foundation, from perils like fire, theft, vandalism, and more. Typically covering the cost of repairing or rebuilding the building.
Business Personal Property
Covers the contents inside your business property, including equipment, inventory, furniture, fixtures, and supplies, against damage or loss.
Loss Of Income
Provides compensation for lost income and operating expenses if your business has to close temporarily due to a covered event (e.g., fire, natural disaster). Helps maintain cash flow during downtime.
Equipment Breakdown
Covers the cost of repairing or replacing essential equipment and machinery that breaks down due to mechanical failure or electrical issues.
Ordinance Or Law
Protects against the cost of complying with building codes and regulations when repairing or rebuilding a damaged property.
Optional Coverages
We provide a series of optional coverages to help better protect your investment.
Flood Insurance
Provides protection against damage caused by floods, which may not be covered in standard policies.
Earthquake Insurance
Covers damage resulting from earthquakes, which are typically excluded from standard policies.
Business Income & Extra Expense
Expands on business interruption coverage to include extra expenses incurred during a shutdown (e.g., renting temporary space).
Frequently asked questions
Learn what people are asking about this popular coverage.
This can cover various types of properties, including offices, retail stores, warehouses, factories, and even outdoor structures like signs and fences.
No, commercial property insurance is specifically tailored for businesses and covers commercial properties and their unique risks, while homeowners’ insurance is designed for residential properties.
Yes, there can be exclusions in commercial property insurance policies. Common exclusions may include damage caused by earthquakes, floods, and certain types of equipment breakdown. These can often be added as separate coverages or endorsements.
When choosing a deductible, businesses should consider their financial capabilities and risk tolerance. A higher deductible can lower premiums but may require more out-of-pocket expenses in the event of a claim.
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