• Commercial property insurance can cover a commercial building that you own and/or your
    business personal property and inventory against physical loss or damage.

  • If in the case you don't own your building, you would still need contents coverage for your
    business personal property. Most business personal property policies,usually provide
    insurance for business contents i.e., furniture, office equipment, supplies, stock, fixtures, and
    other supplies stored at your facility & some property  off-premises. Property insurance can be
    bought based on the property's actual cash value (ACV) - (its replacement cost minus
    depreciation), or replacement cost (RCV) its current replacement cost a coinsurance provision
    generally applies.

There are separate coverage forms available:

  • Business income with or without extra expense

Business interruption coverage can pay for your business' fixed costs, such as rent, payroll and
taxes, if your enterprise suffers a property loss that causes it to close or slow down for a period of
time while repairs are made.

  • Equipment breakdown, accounts receivable, crime, employee dishonesty, valuable papers
    and many others.  Consult your Broker for more information.
Commercial Property
Note: As stated in our Terms of Service  agreement, descriptions of insurance coverage on this web site are for informational purposes only and may not apply,
or be included on your policy. Please contact us to confirm coverage provided on your insurance policy or policies your are contemplating purchasing
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Agency License #'s  CA - 0E81098,  AZ - 905931,  CO - 299185,  ID - AG157504,  OR - 818820        Copyright © 2008 by Byrne - Kim & Assoc Ins Svcs, Inc.
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