Commercial Property Insurance

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Commercial Property Insurance

Commercial property insurance is an important piece in your insurance coverage portfolio. It protects the components of your business that are subject to outside influences such as theft or fire. Property insurance can make you whole in the event you sustain a loss to any business property, be it a truck, store fixtures, inventory, raw materials, and so on.

What Am I Protected Against?

Most commercial property insurance policies are written on a special form, which means they cover anything that isn’t specifically excluded. This includes fire, theft, wind and hail, vandalism, damage by vehicle or aircraft, and much more.

Coverage is most often written on a replacement cost basis depending on the age of the building or contents. This means that the lost or damaged item will be replaced with a like item in today’s market.

Examples of commercial property coverage include:

2021 Brochure

Commercial Property Insurance

Coverage Basics

A typical boatowners insurance policy is designed to protect your boat, motor, equipment and passengers. It provides similar coverage to those you typically have for your car including the following:

  • Theft, loss or damage to the boat and attached equipment
  • Bodily injury coverage
  • Damage caused to someone else’s property by your boat or watercraft
  • Liability coverage for your passengers, which would include family and guests
  • Medical payment coverage for injuries to the occupants of the boat

There are many factors to consider when purchasing property insurance coverage including where your business is located, the age of the building, and what other businesses are located nearby. Some endorsements to discuss with your agent might include pollution coverage, the difference in conditions (earthquake), and flood insurance.

Top Ways to Save

Running your boat on diesel fuel instead of gas reduces both your risk and your insurance premium.

A boat fire can be devastating, so having approved fire extinguishers on board can be a premium saver.

Complete an approved safety course through the Coast Guard, U.S. Power Squadrons, Red Cross or other state-administered course.

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