Commercial Property

Business Owners want to protect their investment in their business or what we call your "baby"! Having proper insurance at the time of a loss is critical.

Kim Knight has specialized in Commercial insurance for 15+ years and can help you determine what coverage is best for you.

Building and Personal property Insurance Coverage

This provides protection caused by direct physical loss or damage from a covered peril to your building or commercial contents.

The Term Building includes fixtures, machinery, additions under construction, etc. Commercial personal property refers to equipment, value of labor, stock and furniture. Personal Property of others is covered while located at the business location while under your care, custody and control.

Also included are things like debris removal, preservation of property, fire department service charge and pollutant cleanup and removal.

While the standard reimbursement is Actual Cash Value, there are three optional coverage available:

• Agreed Value allows you to stipulate the value of the insured property and insurance it to that value.
• Inflation Guard protection is agreed upon by and the insurance company as to how much the coverage will increase due to inflation over the policy period.
• Replacement Cost, with certain exception, pays to replace insured property at current value.