Whether you own a commercial building or are renting space for your business it is important to remeber you are at risk for liability and property cliams every day. Fire, theft and vandalism can cripple your business but with an elite agent you will know you have the best coverage available and that your business will be back up and running in no time.
Some Coverages to Consider
Protects against structural damage of buildings caused by severe weather, theft, vandalism, fire, smoke and explosions, subsidence, burst pipes, water or oil leakage, impact from vehicles, falling trees.
Business Personal Property
Property owned which is movable and is not affixed to or associated with the land. Basically, personal property is everything except real property. Personal property for a business would include manufacturing equipment, office furniture and equipment, computers and peripherals, and vehicles purchased and used by the business, and, basically, everything that isn't "nailed down." In other words, personal property is movable, while real property is not.
Coverage that replaces business income lost as a result of an event that interrupts the operations of the business, such as fire or a natural disaster. Business interruption insurance is not sold as a separate policy, but is either added to a property/casualty policy or included in a comprehensive package policy.