Insurance for Commercial Property

Protection of your business tools, equipment, inventory, building and other assets. If your business assets are destroyed by an insured peril (a fire, for example) funds are provided to help your business replace those assets.

Why we're different from the other online business insurance sites:

• Quotes Quick - We do our best to expedite your quote.
• Service After the Sale - Local friendly service for over 30 years.
• Knowledgeable Help - We help you understand your insurance choices.
• Broad Range - We offer a wide range of business insurance programs.
• Walk-in Service Available - Visit us at our South Austin office - Map, Directions and Contact Information
        

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Building & Improvements

Insurance protection of your sizable investment in your business building is critical for your business to be a safe investment and a likely requirement of any bank financing. A building can also be an important to your business continuing to operate.

If you are leasing a building, the improvements you make such as built-ins appliances, decorative changes and non-structural walls are also important assets worthy of insurance protection. Insurance coverage for these tenant improvements can also be a lease requirement.

Adequate Property Limits to Rebuild - Don't get caught short and not have the amount of insurance protection you need. Most insurance contracts impose a "Co-Insurance" penalty that will reduce a claim settlement if a building is under insured.

Ordinance & Law Requirements - Laws change over time and can impose added requirements if your building has major damage or has to be completely rebuilt. An example is the many changes imposed by the Americans with Disability Act to provide improved access. Insurance protection for these potentially expensive modifications needed to repair or rebuilt is an important optional coverage.

Business Income / Extra Expense - Business Income protections your revenue stream after an insured event. Extra Expense pays added cost to help get your building reopened quickly and your tenants back. The cost of dislocation can be a very large part of your overall financial cost after a fire, storm damage or other insured event.

Business Contents

Most businesses have a substantial investment in office equipment, computers and other work materials. These business assets are at risk for damage or loss from fire, tornado, theft and other perils. These contents accumulate over time and the amount needed to replace after an insured loss is likely to also grow as the business grows.

Computer Equipment (Electronic Data Processing / EDP) - Rather than insuring computers and related equipment the same as a desk, EDP (Electronic Data Processing) coverage shifts the insurance protection to focus on the added needs of businesses protecting their computer equipment and data.

Tools & Equipment  Floater - This protects the business tools while both at your place of business, at jobsites and it transit. Examples would include mobile equipment such as a Bobcat and measuring instruments used at jobsites. An equipment floater can be "scheduled" with items specifically listed or "unscheduled" with coverage up to a modest limit per item for a set total amount of coverage.  Theft of tools from job locations is a pervasive problem. Be sure to review your Crime Coverage for these important assets.