Property Insurance


Commercual Building Insurance coverage provides protection for permanent structures listed on the policy. Completed additions, permanently-installed fixtures, machinery and equipment, outdoor fixtures, owned personal property used to service, repair or maintain the building and additions under construction or repair are all included in this definition.

Business Personal Property

This coverage protects personal property owned by your firm and used in your operation. Furniture and fixtures, equipment and machinery, raw stock, and finished goods all fall within this category. Personal property of others while located in your covered building or within 100 feet of the premises can also be insured. Contents located off premises are not covered and must be insured by alternate methods.

Components of Property Insurance:

• Subject of Insurance
• Coinsurance
• Inflation Guard
• Deductible
• Causes of Loss
• Construction Type
• Pretective Safeguards
• Replacement Value vs. Actual Cash Value

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