If your office or building were damaged in fire or storm today, would you have the capital required to replace or rebuild and open your doors again? With the right commercial property insurance in place, your answer would be yes.
At Sandeen Insurance, our independent agents will take the time to sit with you to learn about your business, your property and your financial situation. We will then compare policies and rates across multiple highly-rated insurance companies so you can choose the best policy to fit your business.
Understanding Commercial Property Insurance
Commercial property insurance is one of two main policies that every business should carry. This, along with general liability insurance, will help cover a multitude of risks that your business will face on a daily basis.
With the right business property policy in place, you can rest assured that your building and the contents inside of it will be replaced in the event of a covered event. Events most often covered by a basic policy include fire, storm, theft and vandalism. Losses caused by hurricanes or floods often require additional coverage.
Commercial property insurance also applies to leased property. Speak to our agents today if you are currently renting space for your business.
Items Covered in a Commercial Property Policy
In general, the building and the items inside it are covered by commercial property insurance. Specific items may include:
- The building and connected structures
- Furniture and equipment
- Computers and other technology
- Records, documents and other valuable paper
- Fences, signs and other related property found outside
Many policies do include exclusions of certain types of property, or only offer limited coverage on a per-item basis. It is important to walk through the specific terms of your existing policy to ensure you have adequate coverage.
Contact Our Agency to Learn More
For more information about property insurance for your business, contact our Hudson office today. With 100-years of experience, our knowledgeable team can be sure to point you in the right direction. We will provide you with free quotes from multiple insurance providers so you can choose the best policy for your business’s needs.