Commercial Property                                      
Commercial Property is considered to be any item that has a value. This commercial coverage is divided into several coverage parts such as Business and Personal Property and Building Coverage to name two. The coverage applies to the insured in the event they suffer a loss because property has been damaged or destroyed.

Property can be classified as real property or personal property. If you’d like to discuss the different Commercial Properties coverages with one of our knowledgeable Commercial Lines staff, please contact us today.

Builder's Risk
This program insures commercial buildings under construction against damage from fire, windstorm, theft and other exposures. Coverage also applies to property while in transit and during temporary storage. This may apply to a single location or may be written to cover multiple locations.

If you currently own a commercial building under construction and want to determine if this coverage is right for you, contact our Commercial Lines department.

Business Interruption Coverage
Business Interruption Coverage applies if your business suffers a loss that could cause business operations to slow or close down while repairs are made. This may mean a complete or partial revenue loss depending on the time frame and the damages. From the time the loss occurs until your business is running again, insurance can replace your lost profits, and provide a source of income to pay necessary continuing expenses such as rent or payroll.

You can also buy insurance to cover any extra expenses incurred in getting your business back into operation. It may take a while once you re-open for customers to discover you are back in business, which may hurt your bottom line. To meet this need, insurance companies offer coverage for the difference between your "before loss" business income and your "after loss" business income for a month or more while you regain your customers.

We highly recommend this coverage, especially for business such as fast food restaurants but it can easily apply to other types of business operations. To find out if this coverage could benefit you if you should encounter an unexpected loss, contact us. We would happy to assist you in giving you a good understanding of how to utilize this coverage to help protect your business. You can find out how to reach us and our hours of operation by going to our contact.

Commercial Crime
The Commercial Crime coverage protects your business property against burglary, robbery and theft. There several coverage parts which apply to this coverage. With the various parts and forms, it can be confusing but let us help take the confusion out of purchasing this coverage by contacting us.

Money and Security Coverage - pays for money and securities taken by burglary, robbery, theft, disappearance, and destruction.

Employee Dishonesty Coverage - pays for losses caused by most dishonest acts of your employees, such as embezzlement and theft.


Contractors' Equipment and Installation Floater
Protects the extensive business investment you've made in your equipment. Coverage also is available for supplies and materials designated for installation.

Do you have questions about this important addition to our Commercial coverage program? We’re happy to answer your questions and help you determine if this coverage would benefit you.

Inland Marine
Do you have portable property for your goods or the goods of your customers? Do you have movable equipment or unusual property? If so, this coverage could be beneficial to your specialized insurance program.

Inland Marine coverage can be written on almost any type of property that is by nature portable. This coverage is for goods in domestic transit, goods of bailees or customers, etc. It is not to be confused with Ocean Marine coverage which directly relates to items transported by water.

If you have goods that you are regularly transporting on dry land and would like to discuss in depth how this coverage may apply to you, we’re here to answer your questions and assist you in finding a coverage solution, even for your unusual property! We’re open from 8:30 am to 5 pm Monday through Friday, contact us to discuss this coverage in detail.