Commercial Property Insurance | The Hartford

What Doesn’t Commercial Property Insurance Cover?

Be mindful that your commercial property insurance policy doesn ’ thymine cover every type of property wrong. This coverage can ’ t help your clientele if :

  • Your customer drops their laptop when they trip over a box in your office
  • One of your employees puts a hole in your client’s wall
  • You get into an accident while making a delivery to a customer and damage your vehicle
  • A nearby brook overflows after a heavy rainfall causes flooding near your building and damages your inventory
  • You or your employees intentionally damage property
  • You can get other types of commercial insurance to give your business comprehensive coverage that can help cover these kinds of claims.

Bundle Commercial Property Insurance With Essential Coverage Through a Business Owner’s Policy (BOP)

You can get commercial property coverage as a standalone policy. But many little businesses choose to get a Business Owner ’ sulfur Policy ( BOP ), which combines three essential coverages into one :

  • Commercial property insurance, explained throughout this page.
  • General liability insurance to help cover claims that your business caused bodily injury or property damage to someone else.
  • Business income insurance, or business interruption insurance, to help replace your lost income if you can’t open because of covered property damage.
  • Get a commercial property insurance quote to find out how this coverage or a BOP can help your business.
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Learn How To Reduce Your Risk Exposure

There are steps you can take to help reduce your company ’ second hazard exposures. For case, you can create a plan to regularly examine and test your company ’ south alarm and sprinkler systems in your build or dwelling office. This gives you an opportunity to fix any issues and make indisputable you ’ re prepared for a calamity .

big companies that need large business property indemnity can work with our risk engineer consultants to :

  • Create a safe work environment
  • Help reduce loss
  • Improve operations

Making a Commercial Property Insurance Claim

We make it easy for you to file a commercial property indemnity claim. If your business gets damaged, you can call 800-327-3638 or use our on-line portal site to file a claim .
Our specialists work all over the nation to settle business-related claims. They ’ re specifically trained in natural disasters and catastrophes that can affect your clientele, like :

  • Blizzards
  • Hurricanes
  • Severe hailstorms

Commercial Property Insurance for Your Business

Commercial property insurance for small business

Creating a comprehensive plan is important when it comes to small business insurance. We make it our business to figure out the best way to have your back. It’s why we offer a wide range of insurance to help protect your company. You can combine different types of coverage into cost-effective endorsements to add to your policy. Creating a comprehensive plan is significant when it comes to little business insurance. We make it our commercial enterprise to figure out the best way to have your back. It ’ sulfur why we offer a wide range of insurance to help protect your caller. You can combine different types of coverage into cost-efficient endorsements to add to your policy.

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Get a quote today and learn how we can help protect your company with commercial property insurance .

Common Questions About Commercial Real Estate Insurance

Do I Need Commercial Property Insurance?

If you own, economic rent or lease commercial property of any kind, then you should have commercial property insurance. Although it ’ randomness not required by law, it ’ sulfur something you may want to consider. Without it, you ’ rhenium creditworthy for paying the costs to fix or replace your damage business property. This can be expensive and the out-of-pocket costs can put your party at fiscal risk .

What Is Evidence of Commercial Property Insurance?

evidence of commercial property policy is besides known as proof of insurance or a certificate of indemnity ( COI ). Your company may need a COI to prove you have commercial property coverage to help protect your business property. We know your time is valuable, so we make it quick and easy to get a certificate of policy on-line .

What Are the Different Types of Commercial Insurance?

There are many different types of commercial indemnity. Each coverage can help protect your company from assorted claims. other types of commercial insurance include :

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What Is the Standard Deductible in a Commercial Property Insurance Policy?

deductible amounts can vary by state and between insurers. They can range from a couple hundred to a few thousand dollars. You ’ ll choose a deductible come when you get your commercial property insurance policy. generally, if you pick a higher deductible, it ’ ll lower your commercial property indemnity cost .

You can check your policy if you ’ re uncertain how much your commercial property insurance deductible is .

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