Coverage for business premises and contents
You do not have to own a building to need commercial property insurance. If you lease your premises, consider coverage for improvements you have made as well as your inventory, computers, furniture and other business property.
Commercial property policies can cover specified risks such as fire, theft and some types of water damage. Review the amount insured, deductible and claims settlement basis, including replacement cost or actual cash value. A-Z Insurance can help assess your business risks and coverage needs.
Review liability, revenue and other business risks
Property insurance is one part of a wider commercial insurance plan. You may also need coverage for vehicles, equipment, lost revenue, key people and business liability.
- Commercial general liability (CGL) insurance may respond to covered claims alleging bodily injury or property damage caused by your business or employees, including applicable defence costs and settlements.
- Business interruption insurance may help replace lost revenue when a covered event interrupts the company's ability to deliver its products or services.
- Equipment breakdown coverage can address eligible losses involving major mechanical, electrical and technological systems.
- Ask about optional flood, earthquake and sewer backup coverage.
Important coverage information
This information is a general reference only. Coverage availability, eligibility, limits, deductibles, exclusions and claims are governed by the insurer's policy wording and any applicable endorsements. Ask your broker to confirm the terms for your situation.
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