Business Property Insurance

Every piece of the business is needed to make the greater whole work right.

If a disaster or any damage were to happen to your business, production of service or goods could be affected. That’s why it’s important to be ready.

We Provide

Commercial property policies provide coverage for buildings and personal property that are used in a business. Protecting this property must be a primary goal of any commercial insurance program. Regardless of the size of the business, tangible property usually represents a large portion of its total assets. As a result, it should always be reviewed and used for comparison when evaluating any commercial property coverage.

Floater

An Equipment Floater, as an addition to your Business Property Insurance, ensures your ability to continue to do your job efficiently and effectively in the event of a loss. The equipment required to do your job whether it is hand tools, bulldozers or scaffolding is a major investment that has built up over time. If a piece of your equipment was stolen or damaged, would you be able to complete the job? Where would the funds come from to replace it? It is important to consider a Floater when placing your Business Property Insurance.

More Business Insurance Links

AUTO

Almost every business may face a loss due to its owning, renting, using, or loading/unloading a vehicle. Most coverage needs can be handled by a business auto policy (BAP) or similar form. BAPs may cover a variety of operations, including trucking, garaging, public and private transport, and businesses with auto exposures that fall outside the other classes.

WORKERS COMPENSATION

Workers Compensation insurance policies actually provide two types of protection. One covers the cost of medical expenses and disability payments if employees are injured or exposed to illness-causing substances while on the job. The other provides businesses with liability protection in case they are sued for damages arising from employment-related accidents or diseases

PROPERTY

Commercial property policies provide coverage for buildings and personal property that are used in a business. Protecting this property must be a primary goal of any commercial insurance program. Regardless of the size of the business, tangible property usually represents a large portion of its total assets.

NONPROFIT

Whether a human services, arts, educational, civic or other type of nonprofit, your organization should be protected by liability insurance to cover defense costs and damages. Some insurers specialize in coverage for nonprofits and may be able to best meet the insurance needs of your organization.

LIABILITY

Commercial General Liability (CGL) Policies are extremely broad in nature. They insure the bodily injury liability and property damage liability exposures of a variety of commercial businesses, enterprises and ventures.

UMBRELLA LIABILITY

A Commercial Umbrella Liability Policy, increasingly referred to as an excess policy, can provide an additional layer of insurance protection to handle major losses. A business owner may consider an accident that does not involve a fatality to be one that can readily be handled by regular coverage. The reality is that such an accident may result in substantial medical care, lost income and other expenses.

BUSINESS OWNERS POLICY

If you own a small business, your insurance needs may be properly handled by a business owner policy or BOP. BOPs are similar to a homeowners policy, offering both property and liability protection. Businesses such as retailers, wholesalers, small contractors, artisan contractors, dry cleaners, restaurants, offices, and convenience stores (including those with gas pumps) are eligible for BOP coverage.

BONDS

As opposed to insurance, which is a two (2) party contract between an insurance company and the insured, a surety bond is a three (3) party agreement between a Principal, an Obligee, and a Surety.

Beyond Insurance.

Frequently people go for years without reviewing their insurance program, even though life quickly changes. By answering a few questions, you can have the peace of mind knowing that your family and possessions are protected.