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Commercial Insurance Tips From The Hartford
What does commercial property insurance cover and do I need it? Commercial property insurance can help cover your building and your business if there are fires, burglaries, natural disasters or other covered losses at your property. Commercial property coverage helps protect your:
- Building
- Business personal property
- Inventario
- Muebles
- Tools
- Equipos
For example, let’s say a fire damages your building and furniture and forces you to close during repairs. Commercial property insurance can help recover your lost business income while it’s closed. It can also help cover your costs to fix or replace the damaged furniture.
We know how important your business and livelihood are, and we work hard to help protect them. We’re here to walk you through all your commercial property insurance options.
Top Business Insurance Tips
We want to help you make the right choice in commercial seguro de negocio. That’s why we offer thisbusiness insurance advice for small business owners:
Be sure to compare business insurance quotes and policies because you may find a better insurance package if you shop around. There are pros and cons to different insurance companies, so make sure you check their reviews and ratings. You should also look at the price and specific commercial property insurance coverages for each policy you compare.
Always know your terminology to help you better understand “insurance speak.” Get familiar with this list of insurance terms and definitions:
- Premium is another name for cost.
- Deductible is the amount you have to pay before your coverage takes effect.
- Covered loss is an incident or event that your insurance policy covers, like a fire, theft or natural disaster.
You can learn more about insurance terms like these by reading The Hartford’s glossary of business insurance terms.
Look for unexpected costs by reviewing your policy in detail. If you don’t, you could end up with a high-deductible business insurance policy. This means your insurance company won’t start paying until you spend a significant amount of out-of-pocket money.
For example, let’s say a fire severely damages one of your warehouses. Your commercial property insurance policy covers up to $2 million in repairs, but has a $200,000 deductible. This means you have to cover the first $200,000 of repairs before your insurance will pay the rest.
Deductibles are standard across insurance policies, but amounts vary by company and state. If you have questions about costs, deductibles or business insurance in your state, contact one of our specialists.
Understand tax implications, because business insurance is tax deductible. This can save you a significant amount of money and means you should consider your insurance costs a write-off.
Consider an insurance bundle to save even more money. Companies offer many insurance protections, such as seguro contra inundaciones, tornado insurance and liability coverage. Bundling these coverages can help you save money and better protect your commercial property.
For example, our Póliza para propietarios de empresas (BOP) bundles three coverages into one:
- Commercial property insurance
- General liability insurance
- Business income insurance
Get More Business Insurance Tips From The Hartford
We’re backed by more than 200 years of experience and can help you make informed decisions for your business. We know small businesses have unique needs, which is why we created a small business insurance team 30 years ago.
Obtenga una cotización hoy or call our team at 855-829-1683 to learn more about commercial property insurance.
Última actualización: 12 de julio de 2022