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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.
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.
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:
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.
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.