Property Insurance

We love writing small businesses! Most insurance agencies today consider the small business not to be worth the time and effort that it takes to write their insurance. They think that small business insurance does not make them money. We feel different. We are a small business just like you and we understand what it takes to run a small business. Your problems are our problems and we want to help you solve those problems.

We provide commercial auto insurance, commercial general liability insurance, workers compensation insurance, and commercial umbrella insurance for your small business.

Protect yourself and your livelihood with our small business insurance and commercial insurance policies. We evaluate your needs and determine the necessary coverage for your company. We represent many different insurance companies that we can get commercial property insurance from.

Commercial property insurance may be one of the most important types of commercial insurance in terms of financially protecting the property and physical assets of your business. Types of commercial property insurance can include:

• Buildings and other structures, leased or owned
• Furniture, equipment, and supplies
• Leased equipment
• Inventory
• Money and securities
• Records of accounts receivable
• Improvements and betterments you made to the premises
• Machinery
• Boilers
• Data processing equipment and media, including computers
• Valuable papers, books, and documents
• Mobile property, such as automobiles, trucks, and construction equipment
• Signs, fences, and other outdoor property not attached to a building

Is it Covered?

Whether or not a commercial property insurance loss is covered depends upon the policy language, exclusions, and endorsements. You can choose the covered causes of loss in your commercial property insurance policy. Causes of loss are divided into two main categories: specified perils and open perils.Specified Perils consist of a list of each peril to be insured against, such as fire, explosion, windstorm, vandalism, et cetera. You can usually request basic specified perils or broad specified perils coverage. Broad specified perils coverage adds to the list of covered perils found under basic specified perils.Open Perils coverage covers all losses unless they are specifically excluded. Earth movement (including earthquake) and flood are two common perils that are excluded under open perils coverage. Since open perils coverage offers more comprehensive protection, it costs more than specified perils.

Click here Commercial Automobile Insurance

Click here  Commercial General Liability Insurance

Click here  Workers Compensation Insurance

Click here Commercial Umbrella Insurance