Commercial Property

from Wragge Insurance

One of the most common types of business insurance is commercial property insurance, which provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, wind and other natural or manmade disasters are examples of what is typically covered.

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent insurance agent, Wragge Insurance can help you determine the type of insurance policy and range of coverage that is best for your business.

For a full list of coverage available, or to learn more about this business property insurance, contact us today.

About Commercial Property Insurance

   • Insuring Buildings

     Do you own a commercial building? If so, do you have                enough commercial property insurance to cover replacement      costs? Although cost estimators are available, we                        recommend that you secure an appraisal from a third party        to accurately determine the current replacement cost of your      building. Give us a call today, and we’ll help you determine if      you have enough commercial property insurance for your            business.

   • Flood Insurance

     Most commercial property policies exclude flood as a                  covered cause of loss. A separate policy must be purchased      to protect you from resulting damage. Check your current            property insurance policy to be sure you are covered. If              you’re unsure, just ask us to review your insurance policy,          and we’ll help you find the best solution.

   • Business Personal Property Coverage

     Business personal property insurance covers property at a        specified location such as furniture, fixtures, equipment and        inventory. Be aware that most commercial property policies        have very limited coverage for property taken off the                  specified location. If you have equipment that is frequently          taken off-site to various locations, it is important that you            have an inland marine policy (equipment or installation                floater).

   • 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.      It applies while the premises are being restored because of        damage from an event such as a fire. Business income                insurance may also cover financial losses that occur if civil          authorities limit customer access to your neighborhood or            business after a disaster. We strongly recommend that all          businesses acquire this coverage.

   • Electronic Data Processing (EDP) Insurance

     This coverage is separate property coverage specifically            designed to protect your computer related equipment. Most        commercial property policies have limited coverage for                computer networks. EDP broadens the causes of loss to              include things like power surges and in some cases virus            attacks.

Wragge Insurance understands the Texas business insurance needs of our customers. The right coverage for you is unique – call us today to find out how to protect your business and your future with the right insurance.

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