Your building, equipment, inventory, and signage, covered against fire, storm, theft, and vandalism, scoped to what it would actually cost to replace today.
Get a quote for Commercial PropertyAny business that owns its building or has significant equipment, inventory, or improvements at a leased location. If a fire or storm would set your business back financially, this is the policy that responds.
A fryer catches fire overnight and takes out the kitchen. The building's covered, but the walk-in, the hood system, and six figures of equipment weren't scoped for replacement cost.
Read the full story →Based on the replacement cost of your building and contents, not what you originally paid. This is why reviewing your limit after renovations or major equipment purchases matters.
No. Flood is excluded from standard commercial property policies and needs to be purchased separately, regardless of how the water gets in.
Most policies reduce or void certain coverage after 30 to 60 days of vacancy unless a vacancy permit or endorsement is added. Ask us before a property sits empty.
