Commercial Property & Liability Insurance

Commercial Property and Liability Insurance are essential elements to any business insurance plan. From a fire or theft affecting your business property to a lawsuit from a customer or other third party, your assets are at risk every day. You’ve worked hard and invested a lot in your business; make sure it’s properly protected.

What Property Insurance is

Property insurance covers your physical assets, including buildings, business personal property, computer equipment, furniture and fixtures, inventory and stock, valuable papers and records, and more. Another coverage included under Property insurance is Business Income & Extra Expense, providing for reimbursement of certain kinds of lost income and extra expenses that might result from a covered loss.

What General Liability Insurance is

General Liability Insurance protects you against claims, by a third party, that your actions caused bodily injury and/or property damage to them. In today’s litigious society, this insurance protection is a must for any business.

What a “Package Policy” is

A Package or Business Owners Policy is designed to put together on one affordable policy both the Property and General Liability coverages that are essential for any business. Based on the specific needs of your business, these policies can be tailored to provide “cafeteria style” whatever Property-or Liability-related coverages your business may require.

This description of coverage is not an insurance contract. Your policy is the contract that specifies and fully describes your coverage. Conditions and exclusions will apply. Not all coverage described is available in all states.