Commercial Property

It depends on your goals and budget. We recommend you review the tradeoffs with us so there are no surprises at claim time.

Typically your business personal property and any improvements you paid for, since your landlord usually insures the building. We help confirm this against your lease.

It may help replace lost income and cover ongoing expenses while you recover from a covered loss.

Building coverage is for the structure you own; business personal property covers your contents, equipment, inventory, and furniture. Many businesses need both, or just contents if they lease. ...

No. Earthquake is excluded from standard California commercial property policies, so it is purchased separately, either through a private earthquake insurer or in some cases a specialty market. The ...

Flood is also excluded from standard commercial property policies and is written separately. For commercial risks that is usually through a private flood market or, for eligible buildings, the ...

 It's advisable to review your policy annually or whenever significant changes occur in your business, such as renovations, purchasing new equipment, or changes in inventory levels, to ensure your ...

Contact your insurance provider immediately to report the incident. Document all damages with photos and keep records of related expenses. Your provider will guide you through the claims process. ...

Yes, many insurance providers offer package policies, such as a Business Owner's Policy (BOP), which combines Commercial Property Insurance with General Liability Insurance and other coverages for a comprehensive ...

Evaluate the replacement cost of your building and contents, considering factors like location, industry-specific risks, and the value of your assets. Because the right limits depend on the specific ...