Commercial Property Insurance offers specific property coverages, protecting your physical assets and the continuity of your business operations. A properly tailored program will focus on prevention, and in the event of a claim, on helping you restore your business operations in a timely manner. Some of the key coverages include:

Building & Contents Coverage

Building & Contents Coverage protects a business in the event of damage to or destruction of buildings and contents from fire and other causes of loss.

Business Interruption Coverage

Business Interruption Coverage can cover the costs associated with an interruption to your business that occurs when there is a property loss. In addition, it may cover extra expenses to maintain operations and/or replace the business income that is lost while the property is being restored.

Boiler & Machinery Coverage

Boiler & Machinery Coverage protects against the mechanical breakdown of boilers, heating/refrigeration systems and mechanical equipment as wellas the subsequent related business interruption.

Excess Coverage

In most instances, we can offer Excess Property Insurance above the primary limits. Excess Property Insurance is usually subject to a minimum premium and specific underlying coverage limits.

A Commercial Property Policy should be purchased with a Commercial General Liability Policy to more fully protect your business. Depending upon the size and type of your business, this coverage may be available within a Business Owners Package Policy. In addition, you may need an Excess Property Policy, Commercial Umbrella, Employment Practices Liability Policy or Directors & Officers Liability Policy.