Coverage for Buildings, Inventory, Equipment, Tools and More
Commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more, and can cover losses from fire, break-in, vandalism, wind and other natural or man-made disasters.
Because Caerus Insurance is an independent agent we can help you find a policy that best covers your business needs.
Commercial Property Insurance Coverages
Coverage provided to owned buildings or structures.
Business Income (Business Interruption Coverage)
This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed due to damage from an event such as a fire or natural disaster.
Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage.
Business Personal Property Coverage
Covers property at a specified location such as furniture, fixtures, equipment, and inventory. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy.
Electronic Data Processing (EDP) Insurance
Most commercial property policies have limited coverage for computer networks. Electronic Data Processing insurance broadens the causes of loss to include things like power surges and in some cases virus attacks.