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Commercial Property

Commercial Property

We offer a variety of excellent property coverages for your business’s buildings, personal property, and income. Most property policies include additional coverage at no charge that provides higher coverage limits than most standard policies, in addition to extra coverages normally not found. Some coverages even offer you the option to purchase higher limits.

What are the coverages?

Buildings owned or occupied by the insured

Business Interruption coverage

Pays for the income you’d lose if your business is damaged and you can’t perform your normal business operations.

Ordinance or law coverage

Pays additional costs to repair or rebuild a facility to current building codes after it’s damaged. Many policies provide limited ordinance coverage, but you can increase it with an endorsement.

Inland marine coverage

Insures property in transit or anywhere away from your primary business location. It can also covers projects under construction.

Business Personal Property

Would include property such as; desk, equipment, supplies and inventory at your business location.

Valuable papers coverage

Provides limited coverage for your business records and other valuable papers. You may be able to buy an endorsement to increase this coverage.

Boiler and machinery coverage

Covers boilers, air conditioning units, compressors, steam cookers, electric water heaters, and similar machinery. Coverage is usually only for machinery listed in the policy and to any subsequent losses, such as when a boiler explosion or water heater leak causes damage to other property.

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The following list only highlights some of the coverages often included:

  • Newly Acquired Property and Business Personal Property
  • Property Off-Premises
  • Outdoor Property and Outdoor Signs attached to Buildings
  • Lawn Coverage on which your property is located
  • Arson Reward information leading to an arrest
  • Extra Expenses incurred to keep your business running after an insured loss
  • Water Back-up and Overflow from sewers, drains or sumps
  • Money and Securities
  • Employee Dishonesty

Our agents can assist you in considering all aspects of your Florida Commercial Business Property package to give you the most appropriate policy available. We will help you customize a Florida specific plan that works for you.

Tailoring Policies to Your Needs and Budget.

We work hard to shop various policies on your behalf, seeking the best options at the most competitive prices. We also review all potential discounts you may be eligible for to help lower your rates. This review is ongoing, and we’ll remain proactive on your account. So, whether you needs are, personal or business, turn to us for all of your insurance needs.

Learn more by calling us at 239-313-2045 or by emailing our insurance agency.

We look forward to hearing from you!

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