Business Property Insurance

Business property insurance policies protect your buildings, inventory and/or assets, against loss or damage.  The policy covers the replacement or repair costs of the property and, may compensate you for items that cannot be replaced.

Business property insurance is often purchased as a part of a Business Owner’s Policy, which offers business property insurance and commercial general liability insurance.  Please contact us to see if your business qualifies for such Business Owner’s Policy.

Even if you don’t own your office building, you'll only need to cover the building’s contents. The policy protects your investment in fixtures, furniture, office equipment, inventory, the supplies, computers, peripheral devices and media either at your business location or off-site.  It also provides the costs to research, replace or repair lost or damaged data and software as a result of covered damage to computer equipment.

The coverage of Business Property Policies can be generally categorized into three forms: basic form policies cover damages from fire, lightning and wind, broad form policies expand their coverage to include water damage, such as sprinkler malfunctions, ice and snow, and special form policies cover everything except things the policy specifically excludes.  All these forms can be purchased with replacement cost coverage and actual value coverage. Replacement cost coverage will replace damaged property with new property of roughly similar one. Actual value coverage pays for the replacement cost of the property, minus depreciation.

For more information, please contact us at toll free 1-877-681-3195, or email us at info@intwonins.com.  Or fill out the online quote request form at http://www.intownins.com/request_for_quote.php.