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- Are You Really Covered?
Professional Care For Professional Service
Commercial Property Insurance Coverages
We understand that your in business to protect, care and provide for your patients. At First Underwriters we do much the same for our clients. With the general liability insurance you can have the peace of mind that we will work with you to provide policies that work to protect you in regards to injuries associated with damage to business property and bodily injury.
Our policies are designed with malpractice in mind. This is the largest area of danger for healthcare related facilities and this should be front and center when it comes to the policies that cover your line of work. Doctors, nurses, physical therapists and all other health professionals carry liability insurance – and the caregivers at residential care facilities should have the same protection.
What Is Commercial Property Insurance?
Commercial property insurance is a key coverage for business owners, especially when running a home-based business. That’s because it provides more coverage than homeowners insurance. This type of commercial insurance helps protect your business and its physical assets. It can pay your repair or replacement costs if your business property gets damaged or destroyed from a fire, theft or other covered loss.
Also known as business property insurance or commercial real estate insurance, this coverage helps protect your:
- Personal property
What Does Commercial Building Insurance Cover?
Commercial property insurance coverage can help your business if:
A fire damages or destroys your computers
Lightning strikes the building you rent
Someone breaks into your building and steals your inventory
It can also help protect important business assets, like your business income. If you can’t open because of a covered loss, it can help replace lost income for your company.
We understand every business has unique needs. That’s why we work with you to customize your commercial property insurance policy. You can add more protection for things like valuable papers and records, which can help cover the costs to:
- Reproduce important documents
- Provide temporary storage
- Move records to avoid a loss
Umbrella liability insurance and excess liability insurance are two forms of secondary coverage—that is, they both sit above one or more underlying liability policies and do not attach until the underlying policy’s limit of insurance has been exhausted.