Property insurance can cover the buildings that a business owns - along with their business property and inventory - against physical loss or damage.
If you don't own your building, you'll still need contents coverage. In most policies, property insurance for business contents covers furniture, fixtures, inventory, office equipment, and other supplies stored at your facility or off-premises. You may insure those items for replacement cost or for actual cash value (ACV), which pays only for the depreciated value of the property.
Replacement cost policies have higher premiums, but they can help your business recover from a loss faster, since you can replace all of the lost or damaged property with new items. If you lease some of the equipment at your business, the leasing company may require that you insure the property at replacement value.
If someone is injured by you or at your business site, the policy may pay for medical and funeral expenses incurred, up to policy limits, within one year of the accident.
Most General Liability policies provide coverage if you are accused of:
This policy will provide valuable liability protection against advertising injuries resulting from claims that, in the course of advertising your company's own goods, products, or services, you are accused of:
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Copyright © 2010 Carlisle Insurance, All Rights Reserved Note: As stated in our "Terms of Service" (TOS) agreement, descriptions of insurance coverage on this web site are for informational purposes only and may not apply, or be included on your policy. Please contact us to confirm coverage provided on your insurance policy or policies you are contemplating purchasing.