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The Essentials of Commercial Property Policies

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The Essentials of Commercial Property Policies

What is Commercial Property Insurance? 

Whether you have a start-up business or an established small business, you rent, lease, or own a commercial space. For this reason, you need commercial property insurance in Banning, CA to protect the space and the contents inside. Commercial property insurance doesn’t just protect the building you use, it covers the equipment, furnishings, inventory, computers, and other supplies that your business uses inside. Even though you hope that the worst will never happen to your business, insurance can ensure that if it does, you have a financial safety net in place.

What is commercial property insurance?

Commercial property insurance is designed to help a business protect against asset loss. It helps business owners to protect the space that they own or lease in order to conduct business.

What is covered by commercial property insurance?

It helps protect:

  • Your building
  • Your outdoor sign
  • Furniture and equipment
  • Inventory
  • Fence and landscaping
  • Others’ property

Specific coverage will vary from policy to policy. A professional agent will work with you to find suitable coverage that suits your business and belongings. Along with the property and interior items, a commercial property policy may even extend coverage to critical business assets when they are used off-premises. For example, if an employee takes a company computer on a trip and the device is stolen, you may be able to submit a claim to replace the device.

What doesn’t commercial property insurance cover?

When you take out a policy, you can choose to include or exclude perils from the policy. This process should involve a detailed talk with your agent to determine what the appropriate coverage is for your business. For example, damage from floods and earthquakes are often excluded from standard policies, which means you should obtain separate policies if you want protection from these events.

Commercial property insurance can be there for your business. To find the best business insurance policy to meet your needs, contact the experts at Little & Sons Insurance Services. Serving Banning and the surrounding cities in California, we are ready to assist you with all your insurance needs.


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