Although most business owner policies (BOPs) do provide Commercial Property Insurance coverage, this most often pertains only to the actual structure of your business. Under a BOP, generally, the structure of your business is covered from events of “peril” (i.e. weather-related damage) and causes of loss (i.e. Robbery). What about the furniture, computers, and equipment in your building? Who will cover the cost of replacing an outdoor sign?
- Contractors
- Commercial Construction
- Commercial Vehicles
- Commercial Property Insurance
- Workers Compensation Insurance
- Bonds
Commercial Property Insurance is customizable in most cases, allowing you to provide more coverage for the things that truly matter to your business, and less coverage to the things that do not. Don’t think you need Commercial Property Insurance coverage? Consider this: if a fire erupts in the building of your business and you lose your entire inventory, are you positive that your BOP provides enough coverage to replace it all? If someone breaks into your business and steals expensive equipment, are you positive your BOP provides enough coverage to replace it in full?
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