Business Owners Insurance

Business Owners Insurance protects your business against the loss or loss of use of company property.

"Property" can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers. The building covered in this policy can be almost any structure; it does not have to have four walls and a roof.

Based on years of experience insuring small businesses, Gillman Insurance has combined the different types of protection that business owners need most into one cost-effective insurance plan. They've also tailored these pre-packaged plans for different types of small businesses.

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Business Personal Property Coverage

Business owners need insurance to cover broken windows from a hailstorm, smoke damage from a fire, water damage from a broken pipe and many other losses that can impact your daily operations and bottom line. With a commercial property policy, your building, business personal property, and the personal property of others is covered. This coverage also includes:

• Furniture and fixtures
• Machinery and equipment
• Stock
• All other personal property owned and used in the business
• Labor
• Materials or services furnished or arranged on personal property of others
• Leased personal property that an owner has a contractual responsibility to insure
• Personal property of others coverage provides protection for owners that ordinarily hold property for the benefit of both parties, such as dry cleaners or processing firms. If the property being held is damaged or destroyed, protection is available subject to policy terms.

Additional Optional Coverage Includes

• Protection to insure that if your building is destroyed and it costs more to demolish and rebuild it to code than its current value.
• Full glass coverage.
• Full sign coverage.
• Coverage in the event of equipment breakdowns caused by power surges, mechanical malfunctions, and boiler explosions.
• Protection if your accounts receivable records are ever damaged or destroyed by a covered loss.
• Coverage for any physical loss or damage to your computer hardware, loss of data, and computer software

Other popular industry-specific options, including coverage for contractor equipment and tools, installation, peak season, transit insurance, and valuable papers, among others.

What kinds of insurance should I buy for my commercial building?

Property damage insurance will help protect your investment if your building is damaged or destroyed by fire or other causes. Public liability coverage will protect you if someone is hurt in the building and sues you.

But also consider rent interruption insurance to make sure you do not lose rental income while you are repairing damage caused by a fire or tornado.