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Commercial Property Insurance

Louisiana Commercial Property Insurance

Ready to insure Louisiana and Texas’ businesses

If your business owns any commercial real estate or other business use property, it is imperative that you have commercial property insurance. Commercial property insurance provides coverage for buildings, inventory, equipment, tools and more. Losses that can be covered range from fires to vandalism or natural disasters.

While a basic commercial property insurance policy may be all that you need, it is important to talk to a qualified professional at Glenn Dean Insurance to learn more. Contact us today to learn more about why a commercial property insurance policy may be right for you. If you would like insurance for:

  1. Commercial building – do you own commercial real estate? Make certain it is insured.
  2. Flood Damage – Most commercial policies exclude flood. If you’re in a flood prone area, you need this coverage.
  3. Business personal property – This coverage would cover you to insure your inventory, office equipment and fixtures.
  4. Business Income – This insurance reimburses the owner for loss of profits while a business is closed for a covered loss.

Property insurance covers everything related to the loss and damage of company property due to a wide-variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism. The definition of “property” is broad, and includes lost income, business interruption, buildings, computers, company papers and money.*

Property insurance policies come in two basic forms: (1) all-risk policies covering a wide-range of incidents and perils except those noted in the policy; (2) peril-specific policies that cover losses from only those perils listed in the policy. Examples of peril-specific policies include fire, flood, crime and business interruption insurance. All-risk policies generally cover risks faced by the average small business, while peril-specific policies are usually purchased when there is high risk of peril in a certain area. Consult your insurance agent or broker about the type of business property insurance best suited for your small business.*

*information from www.sba.gov

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