- Commercial property insurance This policy can pay to repair or replace business property that is stolen, lost, or damaged. It covers a business’s building and its furniture, supplies, inventory, and equipment.
When do small businesses need property insurance?
Any small business that owns a building, inventory, or equipment could benefit from property insurance. This policy can help repair or replace business property that’s damaged, stolen, or destroyed.Commercial landlords often require their tenants to have property coverage. Usually, they want you to purchase a policy that covers only your contents in the leased space. Read more about property insurance coverage.
- Businesses that purchase a policy typically: Own an office or buildingRent an office or storage spaceHave valuable items such as computers, tools, or culinary equipmentRely on certain property to run the business
What kind of property insurance do I need?
Commercial property insurance covers your building if you own it along with its contents, also known as business personal property. However, a small business owner might want coverage for other risks as well.
Business owner's policy
Small businesses can combine property protection with coverage for the most common risks of running a business in a business owner's policy (BOP). A BOP bundles commercial property insurance with general liability insurance at a lower rate than purchasing each policy separately.
Business interruption insurance
Business interruption insurance covers a business's normal operating expenses during a forced closure.
Inland marine insurance
Inland marine insurance covers movable property. That could include items in the temporary care of your business, such as artwork on display at a cafe. It also covers property that moves from place to place, such as the kitchen in a food truck.
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GGamingStudio Respect
Mar 18, 2020
What is commercial property insurance?
What is commercial property insurance?
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Hey. What does business property insurance compensate for? Usually, insurance companies compensate for losses incurred as a result of standard risks: fire, explosion, unlawful actions of third parties, water, and natural disasters. Here the question already arises, which insurance company to contact and how to determine which insurance cases are right for your business. Gyus, what can you recommend to me?