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Property Insurance
Commercial property
insurance is designed to
protect you in the event
property owned by your company
is lost, damaged or stolen. In
most instances, it covers the
cost to repair damaged property
and to replace what you've
lost.
Different types of property
insurance policies protect
against different risks or
perils, and they are tailored
to fit the needs of a
particular business. However,
there are two general types of
policies: named-peril policies
and all-risk policies.
-
Named-peril
policies protect against
losses resulting from only
those perils the policy
names.
-
All-risk
policies protects against
all perils expect those
specifically named. Most
businesses are better off
with an all-risk policy, as
it offers broad coverage,
rather than item-by-item
coverage that may require
separate policies for each
class of property.
You can buy separate
policies to protect your
property against perils that
might be excluded from your
commercial property insurance,
or for those items for which
you need specific coverage.
Specialized coverage can
include the following:
- Flood
— Most general
policies exclude coverage
for flood damage. If your
business is located in a
flood zone, you should
consider a flood insurance
policy.
- Crime
— Crime insurance
protects you against
on-premise burglary,
off-premise robbery,
embezzlement, employee
theft and more.
- Inland
Marine — In
contrast to most commercial
property policies, this
protects items of value in
transit, such as valuable
tools, artwork or
jewelry.
-
Automobile
— This can protect
your business's vehicle
against collision damage as
well as from perils such as
fire, wind, hail or
vandalism.
- Cargo
— This covers losses
to inventory or goods on
board a company truck.
- Fire
— Standardized in the
U.S., these policies cover
losses from fire and
lightning.
Sabal Insurance Group has
the expertise to evaluate your
business insurance needs and
recommend the appropriate
coverage.
Let's Talk About Your
Property Insurance Needs
For additional information
on our property insurance
programs, call us at 800 716
9948 or contact us
today.