A single covered event can affect a building, the equipment inside it and the inventory waiting to ship. Commercial property insurance is designed to cover all three, and more. At Town & Country Ins Agency, our team helps businesses in Burwell, NE review their coverage.

What Commercial Property Insurance Covers

Commercial property insurance is designed to help cover your business’s physical assets against covered perils such as fire, wind, vandalism and theft. A policy may include:

• Building coverage—May help cover the building itself, whether you own or are responsible for the structure
• Business personal property coverage—May help cover furniture, equipment and inventory
• Other structures coverage—May help cover fences or storage buildings on your premises
• Business income coverage—May help replace lost revenue during a covered shutdown
• Equipment breakdown coverage—May help cover mechanical and electrical systems, often available as an add-on

Coverage limits and exclusions often vary by policy, so reviewing your options with our team can help confirm your assets are covered at the right level.

What Determines Commercial Property Insurance Costs

Premiums are based on factors specific to your business and location. Building age, construction type and square footage all influence your rate. So do your industry, the value of your contents, your claims history and the types of coverage and deductibles you choose. Businesses in areas with higher exposure to weather events or crime may see higher premiums.

Get the Right Coverage for Your Business

An uninsured loss can leave a business in a difficult position that takes years to recover from. Contact Town & Country Ins Agency to review your coverage options and build a commercial property policy that reflects your business’s exposure and needs.