Property

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Property Coverage

The definition of “Property” is broad, and includes Lost Income, Business Interruption, Buildings, Computers, Company Papers and Money.  Property Insurance covers everything related to the loss and damage of company property due to a wide variety of events such as Fire, Smoke, Wind and Hail storms, Civil Disobedience and Vandalism.

Property Insurance policies come in two basic forms:
(1) All Risk Policies covering a wide-range of incidents and perils except those noted in the policy;
(2) Peril Specific policies that cover losses from only those perils listed in the policy.

Examples of peril-specific policies include Earthquake, Flood, Crime and Business Interruption Insurance. All Risk policies generally cover risks faced by the average small business, while Peril Specific policies are usually purchased when there is high risk of peril in a certain area.

We'd love to discuss your Property Coverage needs, contact us today!

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Business Interruption Insurance

Business Interruption Insurance is technically a type of Property Insurance, but the scope of it is much wider. Business Interruption provides protection when a property has been damaged and the business can't continue operating. This coverage is important to mitigate damage from lost revenue, and help get things up and running again.

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