Commercial property insurance includes a broad range of coverages for structures, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, wind and other natural or manmade disasters are examples of what is typically covered. <\/p>\n\n\n\n
Types of Commercial Property Insurance<\/strong><\/p>\n\n\n\n
Buildings and structures <\/strong>If you own a commercial building,\nit is recommended that you carry enough commercial property insurance to cover the\nreplacement cost of your building. <\/li>
Flood Insurance <\/strong>Most commercial property policies exclude flood as a\ncovered cause of loss. A separate policy must be purchased to protect you from\nflood damage. <\/li>
Business Personal Property Coverage <\/strong>Business personal property\ninsurance covers property at a specified location such as furniture, fixtures,\nequipment and inventory. Most commercial property policies have very limited\ncoverage for property that is removed from the specified location. If you have\nequipment that is frequently taken off-site to various locations, it is\nimportant that you have an inland marine policy <\/li>
Business Income (Business Interruption Coverage) <\/strong>This coverage reimburses a business\nowner for lost profits and fixed expenses during the time that a business is\nclosed due to damage from an event such as a fire. Business income insurance\nmay also cover financial losses that occur if civil authorities limit customer\naccess to your neighborhood or business after a disaster. <\/li>
Electronic Data Processing (EDP) Insurance <\/strong>This coverage is separate property\ncoverage specifically designed to protect computer equipment and accessories.\nMost commercial property policies have limited coverage for computer networks.\nEDP broadens the causes of loss to include things like power surges and in some\ncases virus attacks.<\/li><\/ul>\n\n\n\n
Mariemont Insurance provides risk assessment tools and services and all lines of business insurance, including group life and health. <\/strong><\/p>\n\n\n\n
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