Georgia Commercial Property Insurance
Property and Casualty Insurance
Commercial property insurance covers the building, equipment inside the building, signage, inventory, and furniture in the event of damage from fire, storm, or theft. However, catastrophic events like earthquakes or floods might not be covered unless it is properly endorsed in the insurance policy. With the rising costs of labor and construction materials, it is important to work with an insurance agent who is consistently reviewing the correct replacement cost values so that you are not under-insured at the time of a loss.
What Does Commercial Property Insurance Cover?
Commercial property & casualty coverage helps protect your business’s physical assets. The policy can also include coverage for loss of income caused by a covered incident, which provides compensation for lost income and ongoing expenses when your business operations are disrupted.
Buildings & Structures
Commercial property insurance shields the physical integrity of your business by covering any damages that the buildings and structures that house your operations might suffer. Whether it's your office, factory, or retail space, a commercial property policy ensures that your business property remains secure.
Equipment & Tools
Vital equipment and machinery essential to your business operations are safeguarded against unforeseen damage or loss. This protection helps maintain your operational efficiency by providing financial support to repair or replace critical tools.
Outdoor Signage & Landscaping
Your business's visual identity is preserved with insurance coverage for outdoor signage. This coverage ensures that your company logo, storefront signs, advertising displays, and overall brand remains prominent and recognizable.
Inventory
The inventory that drives your business forward is protected under this coverage, offering a safety net in case of property damage or loss. This ensures that you can continue to meet customer demands and fulfill orders without significant disruptions.
Furniture
The furniture that shapes your work environment is protected under this coverage. In the event of a fire, storm, or theft, this protection ensures that your business's comfort and functionality remain unscathed, preserving your work environment.
Natural Disasters
Commercial property insurance can be bolstered to include coverage against the ravages of natural disasters. This additional coverage provides financial resilience when facing severe weather like earthquakes and floods to help your business recover and rebuild.
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Who Needs Commercial Property Insurance?
Commercial property insurance is indispensable for business owners across all company sizes and industries. Whether you're a small business or a well-established corporation, this coverage safeguards your physical assets against unexpected events and ensures the resilience of operations. These industries include-
- Manufacturers: Ensures operational continuity by protecting machinery, raw materials, and production facilities
- Office-Based Businesses: Shields equipment and documents critical to daily operations
- Restaurants: Covers kitchen equipment, furniture, and inventory against fire, theft, or accidental damage
- Medical Facilities: Protects medical equipment, patient records, and office infrastructure are protected
- Service-Oriented Enterprises: Safeguards tools, supplies, and workspaces essential for providing services
- Businesses in Disaster-Prone Areas: Offers financial protection against events like floods, hurricanes, or earthquakes that could disrupt operations.
If your business is operating with over $20,000 in annual premiums, BIS Benefits can help you find insurance solutions that meet your needs.
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Our Carriers
We work with all the top-rated insurance carriers in Georgia, including
Selective,
Hanover,
Travelers,
Hartford,
Nationwide,
Chubb,
Liberty Mutual, and more.
Where We Work
BIS Benefits works with businesses throughout Georgia. The cities our clients are located in include:
Commercial Auto FAQs
What does commercial property insurance cover?
Commercial property insurance protects your business’s physical assets, including buildings, equipment, inventory, signage, and furniture. Policies can also cover loss of income due to a covered event, helping you maintain operations while recovering from damage.
Are natural disasters like floods, tornadoes, and earthquakes covered?
Many standard commercial property insurance policies typically exclude catastrophic events such as earthquakes and floods. These risks can be covered if added through specific endorsements or additional coverage options like flood insurance.
Can commercial property insurance help cover lost income?
Yes. Many policies include business interruption coverage, which compensates for lost income and ongoing expenses when operations are disrupted due to a covered event.
Are temporary structures or leased equipment covered?
Many commercial property policies can include temporary structures or leased equipment under coverage, but it often requires specific endorsements. Always confirm with your provider to ensure these assets are protected.
Does commercial property insurance cover theft or vandalism?
Basic property insurance policies typically cover losses due to theft or vandalism. However, coverage limits and exclusions may apply, so check your policy details to ensure adequate protection.
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