Commercial Property Insurance

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Commercial Property Insurance

The purpose of getting commercial property insurance is to protect your company from fires, explosions, burst pipes, storms, theft, and vandalism. However, natural disasters like earthquakes and floods aren’t usually covered by this insurance unless they’re specifically requested. 

It helps to secure the property you own or rent to run your business, such as your building, equipment, tools, inventory, furniture, and personal belongings. You can get the right insurance for your business by reading and learning what Stampede Insurance can offer you.

Factors For Your Commercial Property Insurance

Your business assets’ value, including your structure, determines how much you’ll pay. The next best course of action is to ask yourself the right questions and consider other risk-related factors that influence your premium. Some of which include:

  • Location: Is there a risk of storms or other natural disasters?
  • Construction: Is your structure made of fire-resistant materials? Are the electrical wiring, plumbing, and HVAC system new or upgraded?
  • Occupancy: What is your line of work? A real estate office is less risky than a restaurant or a repair shop.
  • Protection Against Fire And Theft: What distance between the nearest fire hydrant and fire station? Is there a fire alarm and/or sprinkler system in your place of business? What about putting in a security system?

Commercial Property Coverage

Commercial property insurance protects your structure, its contents, and the area around it, including:

  • Computers
  • Equipment and furniture
  • Signs on the outside
  • Gardening and fencing
  • Important documents
  • Inventory
  • Other belongings

Customized Broad Protection Policy At Stampede Insurance

At Stampede Insurance, our goal is to tailor a package based on your risks specific to your needs and ensure that your business remains operational in a calamity. We may then create a customized plan for you that factors your business needs, previous loss history, prevention efforts, and safety procedures you’ve taken.

Other coverages we may include with your premium are:

  • Garage keepers
  • General repair shops
  • Nursing homes
  • Service and repair insurance

Frequently Asked Questions

A few frequently asked questions about getting commercial property insurance for business include:

What insurance do you need for a commercial property?

A commercial property owners’ insurance package will safeguard your firm and its premises through a combination of property damage and liability insurance. Buildings, landlord’s belongings, loss of rent, property owner, and employers’ liability insurance can all be included.

Who pays to build insurance on a commercial property?

The freeholder is normally in charge of maintaining and repairing a building’s exterior and common areas and arranging for the building’s insurance.

Your business assets’ value, including your structure, determines how much you’ll pay. Thus, ensuring you cover all the bases on running and managing your business is key to smart business solutions. 

Find tailor-fit solutions to your business needs

Interested in purchasing commercial property insurance? Get a free consultation or quote from our professionals at Stampede Insurance today!

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Located in Pasadena, California. We also serve the Anaheim, Long Beach, Los Angeles, Riverside, and San Bernardino areas.  
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