Deciding on the right amount and type of commercial property insurance is an important part of doing business. We're here to help you make the right decisions - for your company and your future. Commercial property insurance protects against building damages and personal property losses and offers a number of coverages specific to your business needs:

Building and Personal Property
In addition to buildings and structures, this coverage includes complete additions to covered buildings, outdoor fixtures, permanent fixtures, machinery and equipment.

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Equipment in transit
If your business owns goods that may be shipped over the road, by air or by sea, you need transit coverage, since most commercial property policies only cover property loss on or near the premises. Often common carriers have limited coverage; when you control the insurance on your goods, you can be assured a quicker loss settlement for the appropriate amount.

Business interruption and extra expense
This coverage pays the expenses that continue and the profits that would have been earned during the period of interruption resulting form direct damages from an insured peril.

Machinery and equipment
Most commercial property policies exclude coverage for the breakdown of machinery and equipment; therefore, a separate policy is needed. Examples include: boilers, pressure vessels, computerized equipment, refrigeration, etc.