Commercial property insurance can protect your building, property, income, electronic data against events like fire, storm or burst water pipers damaging valuable documents. Additional coverages, such as flood, earthquake, cyber, and glass breakage, are also available. If your business involves transporting goods, inventory, or equipment from one place to another, then Inland marine insurance can also be added. Commercial Property insurance pays for losses based on actual cash value (cost to replace things with new property of similar style and quality, less depreciation) or replacement cost (cost to repair, replace or rebuild property on the same premises, with comparable materials and quality without deducting any amount for depreciation).

The cost of commercial property insurance largely depends on the value of all your business assets, including your building.

Based on risks, the factors that determine your premium includes.

• Location:
• Construction:
• Occupancy: What type of business do you own? For example, the risk in an insurance office is less than that of a restaurant (fire hazards) or repair shop (safety hazards).
• Fire protection: How far are you from the nearest fire hydrant?
• Theft protection: Did you install any security systems on your property?

Please setup an appointment or call us at 209-400-9785 to review your policy or insurance need with us. You can also get a free quote by filling up the following form: