It Took Time to Build Your Business. Use Commercial Insurance to Protect It.

Just as you would insure your home to protect you from massive loss in the event of damage or theft, you should also consider insuring your business. Commercial enterprises need commercial property insurance due to the often-higher risk associated with commercial properties.

Commercial Property Insurance – Who Needs It?

Not every business needs commercial property insurance. If you don’t have a physical space but want to protect other property, you might want to consider an inland marine insurance policy. For example, contractors may want to have contractor’s equipment insurance or builder’s risk insurance.

However, you should probably invest in commercial property insurance if you:

  • Own or rent commercial office or storage space. 
  • Have valuable property, such as computers or specialized tools on site. 
  • Have property you rely on to run your business. 

At BIC we strive to find the best price while not sacrificing coverages that matter when you need them most. Protection for your office and merchandise is crucial to the production of income.

We can get it done. That’s our promise with coverages like:

  • Buildings and Business Personal Property Coverage: Provides replacement cost: coverage for buildings and most business owner’s personal property.
  • Loss of income and Extra Expense: Provides protection for loss of business income. We can insure your net income and normal operating expenses so you can contine to run your business, including payroll, for the set period of time you select.
  • ​Property of Third Party: Provides protection to the property of others in your care, custody and/or control.

Property insurance coverage depends on two variables: what items are covered and what types of peril are covered.   

While policies vary, typically covered are:  

The building and related structures (signage, fencing, permanently installed fixtures, etc.)  

  • Furniture, supplies and equipment
  • Landscaping
  • Inventory   

Perils that are covered include:  

  • Employee error  
  • Fire
  • Weather (wind, hail, freezing, etc.)
  • Theft  
  • Vandalism 

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