Commercial Property Insurance

We have many unique commercial property programs available to meet your needs. Whether you own your building, lease your space or work at home, we will safeguard your businesses assets from loss. We will also protect your physical property on premise as well. We take a risk management approach to understanding the potential threats to your property and design programs to protect your assets from loss.

A good property insurance policy should cover:

• Buildings and property fixtures
• Equipment and machinery
• Office furniture
• Computers and accessories
• Inventory and supplies
• Landscaping and fencing
• Employee personal property kept on-site

Our commercial property insurance policies provide either “basic,” “broad” or “special” form coverage, with special form policies offering the broadest coverage and basic the narrowest.  A basic form policy commonly covers fire, explosions, storms, smoke, riots, vandalism and sprinkler leaks. A broad form policy typically adds damage from broken windows and other structural glass, falling objects and water damage to the list of covered items. (Note that theft isn’t typically covered under either a basic or broad form policy, a fact that surprises many business owners.)

Our special form coverage’s offer the widest range of protection and typically covers all risks (including theft), unless specifically excluded from the policy. While premiums for special form policies are more expensive, it may be worth the expense if your business faces multiple or unusual risks.