Torian Insurance offers commercial property insurance that will help you rebuild if your business is damaged by fire, theft, or another covered event.
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Business property insurance protects more than just your physical structure. It covers your building and assets inside the building. Commercial property insurance ensures that the financial burdens caused by fire, theft, vandalism, wind or other perils do not fall on your shoulders. The three primary categories of coverage include:
You can rest easy with Torian. As independent Insurance agents, we work for YOU, not the insurance companies! Our expert staff has your best interest at heart which means providing the best coverage.
Commercial property insurance also known as business property insurance, helps cover your physical assets that you use to operate your business. This includes the physical structure of your business, business equipment & furniture and your inventory.
If you own commercial property including equipment, odds are you need commercial property insurance. This type of insurance protects your property from damage or destruction caused by a variety of events, such as fires, storms, theft, and vandalism. It can also help to cover the cost of repairs or replacement if your property is damaged.
Some of the most common businesses that need commercial property insurance include: e-commerce, brick and mortar stores, restaurants, gyms and fitness businesses, cosmetics/ health & beauty, and arts & entertainment.
Commercial property insurance can help to cover the cost of repairs or replacement if the property is damaged by fire, theft, vandalism, or natural disasters. In short this type of insurance covers the building, everything inside and everything outside of it too like a fence. Some examples of property covered include:
While natural disasters typically are covered – damage from earthquakes and floods are usually the exception.
Additional exclusions to a commercial property insurance policy may include:
A business owner’s insurance policy, also known as BOP is a combination of business liability insurance and business property insurance. While BOP covers the same things that commercial property insurance covers, it has some additional benefits and coverages. Generally, if you qualify, BOPs can save you money while providing a customized insurance policy.
The total cost you pay for a commercial property insurance policy is entirely dependent on a number of factors including:
No. Business property insurance is not required by law. However, if you have a loan on your space, the lender may require you to carry business property insurance.
Commercial insurance, also known as business insurance, is a broad term that can include several different policies. If you own or manage a business, some other insurance policies you should consider include:
Getting a business insurance quote from us is easy, especially if you have the following ready: