108 West Washington Street
P.O. Box 1070
Galax, VA 24333

(276) 236-8106
(800) 758-8106
(276) 236-0165 Fax

We have agents located all across Virginia to serve you. CLICK HERE to find one near you.

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.

We can write commercial properties on our standard fire and lightning policy. The properly endorsed standard fire policy can provide protection from a covered loss for many different types of properties.