Commercial Property Insurance
Independent agency serving the insurance needs of businesses in Mesa, Gilbert, Chandler, and all of Arizona
Bryant Insurance Agency, LLC understands the needs of businesses in Arizona – you can find our offices in Mesa, and our clients all around AZ.
A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, Bryant Insurance Agency of Mesa, AZ can help you determine the type of insurance policy and range of coverage that is best for your business.
What Does Commercial Property Insurance Cover?
Commercial property insurance provides a wide range of coverages for buildings, inventory, equipment, tools, and more. Losses from fire, break-in, vandalism, windstorm, and other natural or manmade disasters are examples of what is typically covered.
Here’s a quick breakdown on what is typically covered by commercial property insurance in Arizona.
Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building.
Business Personal Property
Business personal property insurance covers property at a specified location for furniture, fixtures, equipment, and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).
Business Income (Business Interruption Coverage)
This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event, such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster.
Electronic Data Processing (EDP)
This coverage is separate property coverage specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks.
Every business is unique – request a free quote or call us at 480-448-1555 today to find out how to get the best price and value on commercial property insurance for you.
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