Commercial Fire Insurance
How does it work?
A Commercial Fire Policy reimburses you for the damage a fire causes to your business’s property. Depending on your policy, you might receive coverage for the incidental fire destruction from smoke, charring, lost income due to prolonged business closure, and even damage caused by firefighters.
Without commercial fire insurance business owners can be stuck with a large repair bill what would need to be paid out of pocket. These repair and reconstruction costs after a fire can devastate a business for the long-term as well as in the immediate future.
What does it offer?
The properly endorsed standard commercial fire policy can provide protection from a covered loss for many different types of properties. The policy can cover rental dwellings, apartments, convenience stores, clothing stores, small restaurants, office buildings, etc.
Like the standard fire policy, this policy provides coverage for losses to specific causes including:
- Fire
- Lightning
- Windstorm
- Hail
- Explosion
- Riot or Civil Commotion
- Aircraft
- Vehicles
- Smoke Damage
- Vandalism
- Glass Breakage
- Burglary
If the structure qualifies, coverage for losses due to these additional specific causes of loss can also be provided:
- Theft
- Falling Objects
- Weight of Ice, Sleet, Snow
- Collapse
- Bursting of Steam or Hot Water System
- Accidental Discharge of Water
- Freezing
- Power Surge
Our agents will work with you to provide the best policy for your specific needs! CLICK HERE to find one near you.