Business Insurance › Commercial Property Insurance

Commercial Property Insurance

Commercial property insurance may help repair or replace covered business property after certain losses. The useful starting point is an accurate list of what you own or are responsible for and where it is kept.

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What to discuss

Buildings, tenant improvements, tools, equipment, inventory, and records
property at other locations
valuation method and deductibles
causes of loss and exclusions
whether an interruption needs separate attention

Questions to bring

Could we continue operating if this property were damaged?
Are replacement values current?
Do we have equipment or stock away from our main location?

Reading the details

Before choosing a policy, confirm the business's legal name, covered operations, locations, property or vehicles, limits, deductibles, exclusions, contract requirements, and effective date. Ask how changes in the business should be reported. A certificate of insurance does not change policy terms.

The right policy depends on the business's facts and the terms an insurer offers. We can listen, explain the choices and limits, and help you decide what further information is needed for a proposal.

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Website content is provided for general educational purposes and does not amend, extend, or create insurance coverage. Coverage is subject to the terms, conditions, limitations, and exclusions of the applicable policy.