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Commercial Property Insurance

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Commercial Property Insurance

One of the most common types of business insurance, commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or man made disasters are examples of what is typically covered.

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent,Aspire Brokerage can help you determine the type of insurance policy and range of coverage that is best for your business. For a full list of coverage available, or to learn more about this product, contact us today

Building

Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building. Give Aspire Brokerage a call today at  718-554-0900, and we’ll help you determine if you have enough commercial property insurance for your business.

Flood

Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just ask Aspire Brokerage to review your coverage, and we’ll help you find the best solution.

Business Income

This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event, such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. Aspire Brokerage strongly recommends that all businesses acquire this coverage.

Electronic Data Processing (EDP)

This coverage is separate property coverage specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks.

24/7 Customer Support

Our customer service call centers are open 24 hours a day, 365 days a year to ensure a friendly insurance representative is available whenever you are or should the need arise, when you need us the most!

Flexible Payment Options

We provide many payment options to best suit your needs and unlike many other insurers, we don’t subject you to unnecessary underwriting questions, which is another way We Keep You “Legal For Less!”

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