What types of Commercial Property Insurance should I Consider Buying?

There are several factors that need to be taken into consideration when purchasing commercial property insurance in Connecticut. Determining the types and amounts of coverage along with a reasonable deductible are vital parts of the decision making process. Our independent agents can help you navigate through the numerous options, helping you ascertain what your policies need to cover, and what they don’t. Additionally, we can provide you with live, comparative prices so you won’t pay more than you have to.

Liability is one of the key aspects of commercial property coverage. It can cover a multitude of losses such as theft, fire, and injury. Other types of insurance, such as tenant insurance or building insurance, can supplement your basic liability policy. If you require several types of insurance it may be possible to combine them with your commercial property in a Business Owners Policy which incorporates several types of coverage in one bundle.

Another factor to consider when purchasing insurance is the deductible. Usually, premiums are lower when policy deductibles are high. However, since deductibles will be paid by you in the event of a loss, you want to ensure that the deductible is affordable. Choosing the right deductible is something we can help you with.

Since commercial property insurance needs vary from one owner to the next, it may be overwhelming to figure out which kinds of coverage are necessary and the right amount of coverage. That’s where we come in. We will analyze your commercial property needs, assess your risks, determine the proper amounts of coverage and get comparative rates to help you make an informed decision.

As an independent agent in West Hartford, Connecticut we are familiar with the commercial property insurance needs of the local and surrounding areas. Whether you are just starting out and looking for your first policy, or looking to find competitive rates we can help you. Contact us to speak with an independent agent today!