Commercial Property Insurance
Commercial property insurance helps protect the building your business owns or leases and your business’ personal property, including equipment, inventory and furniture. Insurance policies also include coverage for assets like accounts receivable, computers and lost income for when business operations are suspended due to a covered loss.
Every business is unique and our Upstate agents will work with you to find the best policy and options to protect you and your business, whether you are a small start-up company or a large public entity. Our agents will conduct risk exposure evaluations, consultations and offer recommendations and specific policies to reduce your risk exposure and improve workplace safety and security. Upstate agents will work to find you the best policy for your business.
Commercial property insurance policies provide the following basic coverage:
Accounts receivable covers loss of monies due to you that are uncollectable because of damage to accounts receivable records.
Business liability provides financial protection against costly claims and lawsuits. Some liability options include employment practices liability, not-for-profit organization liability and errors and omissions liability.
Business property coverage protects buildings and other structures, office furnishings and supplies.
Data compromise and identity restoration coverage helps your business and you get back on track after a data breach occurs or if you, the business owner, become a victim of identity fraud.
Employee dishonesty covers direct physical loss of business personal property, including money and securities caused by dishonest acts committed by employees.
Loss of income protection in case your net business income is reduced because you must limit or close your business due to a covered loss.
Utility interruption provides loss of income coverage due to failure of communications, water, natural gas, or electrical service to your insured premises for more than eight consecutive hours.
Valuable papers and records covers the cost to research, replace, or restore the lost information on valuable papers and records caused by an insured loss.
An Upstate Agency agent is available to help you find the right insurance policy for your business today.