Business insurance products include those designed to protect against risks inherent to commercial enterprise. They include commercial property insurance, liability insurance, business vehicle insurance, workers' compensation, and bonds.
We have special expertise in the following programs:
- Commercial Real Estate
- Golf courses
- Health and Fitness Clubs
- Nonprofit Institutions
As independent agents, we represent numerous commercial insurance companies, all of which offer a variety of both coverage and price options. Equally as important as the companies we represent is our commitment to listening to our clients. We take the time to understand your business needs to help you find the coverage you need at a price you can afford.
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Commercial property insurance protects a business against the loss or loss of use of company assets. Company assets generally include buildings and their contents, which can include equipment, furniture, inventory and supplies, income, and the ability to maintain the operations of the enterprise. Company assets may also include such things as cash on the premises and valuable papers.
Property coverage can be written two different ways. Named perils coverage protects the business from losses caused by the specific perils listed in the policy. All-risk coverage protects the business from all causes of loss except those specifically named in the policy.
Property can be valued two ways. Replacement-cost coverage pays to fully replace damaged property. Actual cash value (ACV) coverage pays the cost of replacing damaged property, taking into account any depreciation at the time of loss.
While individual property insurance policies are available, many businesses find it more cost effective to buy a package policy that includes both property and liability coverage. For larger businesses, a combined property/liability policy is often referred to as a Commercial Multi-Peril (CMP) policy. Smaller businesses can get similar coverage in a Business Owners Policy (BOP) policy.