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Commercial Property

Peace of Mind for Businesses On the Road.

Florida Commercial Property Insurance


As a business owner, you may have one or more vehicles, such as delivery vehicles, taxis, limos or buses. The right commercial auto insurance covers you for accidents, injuries and other incidents that can put those investments at risk. WE can provide business auto insurance to meet your needs from trips across the country to local deliveries. With Commercial Auto Insurance our agents at WE Insure, we’ll work with you one-on-one to create a customized policy that Server our Business needs.

Why do you need Commercial Property Insurance?


Commercial auto insurance is set up differently from personal auto policies and designed specifically for businesses. That being said, if you don’t want your company to risk a door-closing disaster, you will get the commercial coverage needed to protect you and your employees against claims caused by an accident. 

Here are some specific circumstances that commercial auto insurance would cover:

Cover damages to your property caused hazards or peril.

Cover damages to personal your property caused hazards or peril.

Cover damages to personal your Equipment and machinery caused hazards or peril.

Theft/vandalism of your commercial property.

Bankruptcy and closure, ruined reputation and legal trouble.

Spoiled inventory from equipment failure and power outage.

What does Commercial Property Insurance cover?


A commercial property insurance policy is designed to be flexible protecting you against a number of risks that are involved in perils and hazards on buildings owned or occupied by the insured. 

Here are some important commercial property coverages included in most policies:

There are three different types of coverage:

Basic Form Policy: it covers standard natural disasters, fires, smoke, vandalism, and theft. For most businesses, this coverage should suffice.

Broad Form Policy: it covers everything that basic form coverage does as well as protection from falling objects, the weight of snow or ice, water damage, and collapsing structures.

Special Form Policy: it covers everything that is not specifically excluded.

Here are some important commercial property coverages included in most policies:

Buildings and other structures

Protecting your building and contents that are owned by the company.

Business Personal Property

This includes items that can be easily taken out, like office equipment, inventory, and other supplies.

Business Income Interruption

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

Equipment Breakdown

This includes loss due to an electrical or mechanical breakdown of nearly any type of equipment, including photocopiers and computers.

Coverages Enhancements:

This includes loss due to an electrical or mechanical breakdown of nearly any type of equipment, including photocopiers and computers.

Fire, Smoke Lightning

Riots and Civil Commotion

Wind & Hail

Malicious mischief

Aircraft and vehicles colliding with the building

Theft and Vandalism

It is important to note that flood insurance is not covered in the typical commercial property insurance policy.

Our risk specialists can help you determine the proper flood coverage you may need.

How Much Does Car Insurance Cost?



Your auto insurance cost will depend on these some factors:

Basic Demographics – Including, your age, sex, marital status, and location.

Driving History – Tickets and violations will impact your rates.

Your Driving Habits – Your daily driving routine, what purposes you use your car for.

Your Credit Score – If your credit score is poor, you may be at a greater risk for filing a claim.

Household History – Insurance companies underwrite at the household level, if the probability of loss will occur.

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