All Commercial Insurance
General Commercial Liability Options
Professional Liability (E&O)
Employment Practices Liability Insurance (EPLI)
Workers Compensation Insurance
Commercial Property Insurance
One of the most common types of business insurance products is commercial property insurance. If you own a commercial building, replacement cost coverage is needed. Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of the building. Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from damage due to a flood. Business personal property insurance covers furniture, fixtures, equipment and inventory.
Most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off site to various locations, it is important that you have an inland marine policy (equipment or installation floater) to cover this property. Business Income coverage reimburses a business owner for lost profits and continuing fixed expenses during the time that a business must stay closed while the premises are being restored because of physical damage from a covered event, such as a fire. Business income insurance also may cover financial losses that may occur if civil authorities limit access to an area after a disaster and their actions prevent customers from reaching the business premises. Electronic Data Processing coverage protects computer-related equipment. It broadens the causes of loss to include virus attacks and power surges.
Commercial Umbrella Insurance
Commercial Vehicle Insurance
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