Commercial Property Insurance

Whether you own, rent or lease the building where your company operates, your small business depends on numerous physical assets (e.g., buildings, equipment, technology, documents) that could be damaged or destroyed. If this happens, the cost to replace or repair damaged, lost or stolen property could result in severe financial hardship. A commercial property insurance policy helps to pay for these losses, protecting you from costly out-of-pocket expenses that could threaten the future of your business.  

Contact Arbutina Insurance Group for more information on our commercial property insurance coverage.  

What Is Commercial Property Insurance? 
Commercial property insurance is a legally binding contract between you and your insurer in which your insurance company agrees to pay for property damage (e.g., fire, theft, wind) in accordance with your policy terms and coverage limits. When accidents happen, your commercial property insurance policy can pay to repair and replace critical business assets.  

What Does Commercial Property Insurance Cover? 
A commercial property insurance policy is designed to protect the physical assets of your small business, including your building, the surrounding property and its contents.  

Here are some commonly included coverage items: 

• Business-owned buildings
• Furniture and fixtures
• Supplies and equipment (including computers)
• Tools and inventory
• Important documents
• Exterior signs, fences and landscaping 

When unforeseen accidents occur, a commercial property insurance policy can help get your business up and running again. Contact Arbutina Insurance Group in Brunswick, Ohio, to learn more about our commercial property insurance coverage. 

How Much Does Commercial Property Insurance Cost? 
Your insurance company will look at many factors to ascertain your level of business risk. Some of the variables which may go into determining the cost of your insurance include the following: 

• Business operations can affect your rates, as some industries face more significant commercial property risks than others.
• Building details may be considered, as buildings with old or outdated systems (e.g., electrical) generally have a greater risk.
• Location can impact your monthly premiums, as some zip codes are more costly to insure than others.
• Safety systems can help reduce your risk (e.g., sprinklers, alarms), which may result in lower premiums.  

We’re here to help. Call Arbutina Insurance Group for a free insurance quote today. 

Who Needs Commercial Property Insurance? 
If you rent or lease the building where your business operates, your landlord may require you purchase a commercial property insurance policy. Even when commercial property insurance isn’t required, you may decide that the benefits of coverage (e.g., financial security, peace of mind) outweigh the cost of your monthly premiums.  

Contact Us Today 
With our customizable insurance options, we’re here to help you find the right insurance for your business. Contact Arbutina Insurance Group to speak to an insurance agent today.