If you don’t own the building where you do business, you'll only need to cover the building’s contents. The basic commercial property insurance policy protects your investment in fixtures, furniture, office equipment, inventory and the supplies that you store either at your business location or off-site.

Business property insurance is one of the most important investments ensuring the future of your business.

Property Coverage Highlights:

General Liability Highlights

Property Coverage covers your Building and Business Personal Property for replacement cost with no coinsurance.  Appurtenant Buildings and Structures: Coverage for Appurtenant Buildings and Structures is included up to $50,000. Building Glass: Coverage for Building Glass is included, with several deductible options available. Business Income and Extra Expense: Covers income that is lost due to suspended operations caused by damage at the described premises from a covered cause of loss. This is an optional coverage. Business Personal Property Off Premises: Coverage for Business Personal Property Off Premises is provided, including while in transit or temporarily away from the scheduled premises and at a premises you do not own, lease or operate; or at any fair, trade show, or exhibition. Employee Dishonesty: Coverage is included up to $25,000 (with an option to cover property managers as employees). Limit may be increased. Equipment Breakdown: Coverage for Equipment Breakdown is included within applicable limits. Diagnostic equipment, power-generating equipment, and production equipment are limited to $100,000 for direct damage. Limit may be increased. Newly Acquired or Constructed Buildings: Coverage is provided for Newly Acquired or Constructed Buildings up to $500,000 for up to 180 days. Ordinance or Law Coverage: Coverage is included for a combined limit of $25,000 at each described premises. Limit may be increased. Outdoor Trees, Shrubs and Plants: Coverage for Outdoor Trees, Shrubs and Plants is provided for all covered causes of loss up to $3,000. Limit may be increased. Signs: Coverage for Signs within 1,000 feet is included within the Building limit when building coverage is written. These items are considered part of Building coverage: Alarm systems; Appliances used for refrigeration, ventilating, cooking, dishwashing or laundering; Fences; Fire extinguishing equipment; Floor coverings; Lawn maintenance and snow removal equipment; Lobby and hallway furnishing; Outdoor furniture; and Retaining walls.

General Liability Coverage protects you against claims for damages because of bodily injury or property damage to others resulting from your business operations.  General Liability Limits of $1 million per occurrence / $2 million aggregate are standard for Building Businessowner policy with an option for higher limits of $2 million per occurrence / $4 million aggregate available. Advertising Injury and Personal Injury. Medical Payments for $5,000 per person. Damage to Premises Rented to You is included up to $300,000. Limit may be increased. Blanket Contractual for all insured contracts. Host liquor liability. Limited worldwide coverage.