Commercial Property Insurance provided by Browne Insurance Services

The place you do business says a lot about your success. Maybe your wholesale company acquired a second warehouse. Or you might have added extra stations at your beauty salon. Whatever purpose your commercial property serves, you need to protect it from the unexpected. As a small business owner, too, we understand your challenges — and can help you understand your coverage options so you can select the coverage you want.
What is Commercial Property Insurance?

Commercial property insurance is something every company needs – whether you own your own building, lease or work from home. One of the core coverages in commercial property insurance protects your building and its contents, as well as exterior fixtures, such as a fence or outdoor sign.

Commercial property insurance protects your company’s physical assets from fire, explosions, burst pipes, storms, theft and vandalism. Earthquakes and floods typically aren’t covered by commercial property insurance, unless those perils are added to the policy.

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What does Commercial Property Insurance cover?

Commercial Property Insurance pays for losses and damages to real or personal property. For example, a property insurance policy would cover fire damage to your office space. You can purchase additional coverages for business property, including:

Boiler and Machinery Insurance

Boiler and machinery insurance, sometimes referred to as “equipment breakdown” or “mechanical breakdown coverage,” provides coverage for the accidental breakdown of boilers, machinery, and equipment.

Debris Removal Insurance

Debris removal insurance covers the cost of removing debris after a fire, flood, windstorm, etc..

Builder’s Risk Insurance

Builder’s risk insurance covers buildings while they are being constructed. For example, a Builder’s risk policy would cover losses if a windstorm takes down your partially constructed condominium complex.

Glass Insurance

Glass insurance covers broken store windows and plate glass windows.

Inland Marine Insurance

Inland marine insurance covers property in transit and other people’s property on your premises. For example, this insurance would cover fire-damage to customers’ clothing from a fire at your dry cleaning business.

Business Interruption Insurance

Business interruption insurance covers lost income and expenses resulting from property damage or loss..

Ordinance or Law Insurance

Ordinance or law insurance covers the costs associated with having to demolish and rebuild to code when your building has been partially destroyed (usually 50 percent). Property insurance covers only the replacement value, not the upgrade.

Tenant’s Insurance

Commercial leases often require tenants to carry a certain amount of insurance. A renter’s commercial policy covers damages to improvements you make to your rental space and damages to the building caused by the negligence of your employees.

Crime Insurance

Crime insurance covers property crimes such as theft, burglary, and robbery of money, securities, stock, and fixtures from employees and outsiders.

Fidelity Bonds

A bond company covers losses due to a bonded employee’s theft of business property and money.

Importance of Commercial Property Insurance?

No matter what size your business is or the nature of the business, accidents and losses happen.  A Business faces losses because of fires, thefts, storm damage, flooding, traumatic events, and even power outages.

Because we can’t predict when or if these things will ever happen on our property, it is important to always have the right protection with complete Commercial Property Insurance.

Contact us today to know more about Commercial Property Insurance and the various options you can have.

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As an independent agency, Browne Insurance Services
Helps you find the right Commercial Property Insurance Coverage
Contact Us
Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

Making risky investments Coverage

Risk Factors
Storms sweep through your area and a tornado touches down close to your small business. A tree has fallen through the side wall damaging your furniture badly.
Your insurance company will process your claim and cover the cost of repair or replacement to your commercial property.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Loss of inventory Coverage

Risk Factors
You show up at your business office to find the door ajar and broken glass everywhere. You see that all of your computers have been stolen.
If you chose replacement cost value under your property insurance, your insurance company will replace the broken window and computers.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Loss of important documents Coverage

Risk Factors
A sudden circuit failure in the night burns down a room full of important documents and past records.
Your insurance company will be paying you for the reimbursement of making the documents again.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Damage to property Coverage

Risk Factors
Your small business is located in California and it’s been an especially dry season. Unfortunately, California is prone to wildfires. Your business property is destroyed in the fire.
Your insurance company will cover the cost of rebuilding the property, income lost during the time period of rebuilding, and any equipment that was destroyed in the fire.

Note:  Please talk to your financial consultant to check all the facts before proceeding

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