Commercial Property Insurance

Financial Protection for Property Damage or Loss

Building and business property loss can happen as a result of a storm or fire. Recovering from property loss or damage can be challenging for area businesses. Colby Insurance Group agents are your partners in helping you get back on your feet.

When it comes to commercial property insurance understanding the coverage details and limits is essential. Our agents will work with you to ensure you have the coverage you need to support your business and help you get back on your feet with policy features such as business loss of income coverage and commercial property protection. We’re your advocates from underwriting to claims. We’re with you every step of the way. Give us a call to discuss insurance protection for your commercial property.

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Commercial Property – Vacancy Provision

Under a commercial property policy, coverage is significantly different for buildings that are vacant for extended periods. Usually, certain types of coverage are completely eliminated during the vacancy. Insurance companies are interested in protecting ongoing businesses and premiums are based upon active occupancy. Continued, full coverage may be provided, but that is only at the

Commercial Property Vacancy Provision

Under a commercial property policy, coverage is significantly different for buildings that are vacant for extended periods. Usually, certain types of coverage are completely eliminated during the vacancy. Insurance companies are interested in protecting ongoing businesses and premiums are based upon active occupancy. Continued, full coverage may be provided, but that is only at the

How are Business Signs Covered?

Business signs tell their customers their name, address, hours of operation and so on. Signs may be simple or complex and many businesses typically use lighted signs. The Sign policy created by Insurance Services Office is available to insure against the loss or destruction of signs, including fluorescent, neon, automatic or mechanical models. Coverage also

Inland and Ocean Marine Coverage

Ocean Marine is the oldest line of insurance. Merchants trading goods over waterways developed the earliest concept of minimizing risk. Traders shipping goods along the Nile usually divided and loaded shipments onto more than one vessel. Using several barges meant that the loss of one shipment would only result in a partial loss. Ocean Marine coverage protects

Understanding Equipment Breakdown Coverage

Equipment Breakdown Coverage policies handle a substantial loss exposure to items such as unfired vessels – Air, steam or water tanks, refrigeration systems, rollers, steam pressers, ironing equipment, steam cookers, generators, chemical processing tanks, motors, switches and controls, compressors, pumps, gears, etc. Breakdown policies are important. They fill a large gap! Commercial property policies typically

Understanding the Standard Property Policy

The popular Commercial Package Policy (CPP) may not be available because of your building’s size, age, construction or its contents. Fortunately, there is an alternative, the Standard Property Policy (SPP). Besides commercial buildings, the SPP also covers completed building additions, property used for maintaining or servicing the building (such as mowing or painting equipment), permanent

Valuable Papers and Records Coverage

Whether a business is a restaurant, a television station, a steel mill, a toy manufacturer or an accounting firm, they have one thing in common; they all have various types of important papers and records. Often documents are routine and their loss would not create a problem. In other cases, loss of certain papers and

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