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January 6, 2023

What Should Businesses Know about Commercial Property Insurance?


As a business owner, you do everything you can to protect your assets and prevent financial losses. Appropriate insurance for your commercial property is essential in protecting your company’s financial well being.

Do You Need Insurance?

Any company that rents, leases, or owns property, tools, or inventory should have commercial property insurance. If any event were to damage or destroy your property, you’d have to replace everything with your own money, but with insurance, many of these expenses would be covered by your policy.

What’s Covered?

Coverage may differ, depending on your business, but for the most part, commercial property insurance covers your building and permanently contained fixtures and equipment, like electrical, plumbing, and more. Destruction of property due to fire, high winds, lightning, vandalism, theft, and other events are typically covered. You can choose to have additional perils specifically listed in the policy as well.

How Do You Find Coverage?

There are multiple factors to consider when purchasing commercial insurance. You may want to consider bundling commercial insurance into a business owner’s’ policy (BOP). You’ll also need to consider the pros and cons of actual cash value, versus replacement cost coverage. An experienced insurance agent can walk you through the details of coverage options, policy limits, premiums and deductibles, and more.

At Koch Insurance Group, we can help you find the right commercial property insurance to meet your needs, and provide peace of mind through superior coverage.

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