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Cameron Group Insurance’s Customized New York, Connecticut, New Jersey, and Pennsylvania Commercial Property Insurance Program
Commercial Property Insurance provides coverage for your buildings, contents and other structures. This can include protection for machinery, tools, electronic equipment, furniture, inventory, electronic data, signs, fences and more. However, most policies have exclusions and limits and not all perils are covered even in “All Risk” commercial property policies.
One size certainly does not fit all when it comes to Commercial Property Insurance. This is when you need a policy tailored to your specific property needs. To get that you need to discuss those with a Commercial Property Insurance specialist that can customize your policy to your business requirements.
Cameron Group Insurance can help create a customized insurance program that provides the protection you need and excludes the coverage you don’t… thereby saving you money. We can help you identify your business’ unique exposures and design your New York, Connecticut, New Jersey, and Pennsylvania Commercial Property Insurance program to address those exposures and maximize your protection.
Beware of These Exceptions in New York, Connecticut, New Jersey, and Pennsylvania Commercial Property Insurance Policies
Covered Perils- Commercial Insurance Package Policies are not standardized; different policies may cover for different perils. Usually policies cover for fire, wind, riot, theft, and vandalism and exclude perils such as flood and earthquake. You and your agent need to discuss these and other perils that may be unique to your business requirements.
Policy Limits and Sub-limits- Much of your business commercial property is subject to specific limits when a loss occurs and can greatly affect the amount you received if you have a claim. You need to be aware of these limits, and plan accordingly through additional insurance or budgeting for potential expenditures.
Rented or Leased Equipment- Unless specified, rented or leased equipment is not covered on a Commercial Insurance Package Policy. So if this is an issue, you need to customize your commercial insurance policy to address it.
Coinsurance Penalty- If your policy contains a coinsurance penalty clause, the amount paid for your claim can be drastically reduced if your insurance coverage limit does not reflect at least 80% of the actual property value. Be sure to discuss this with your Commercial Property Insurance advisor.
Cameron Group Insurance is an independent insurance agency offering insurance from 7 of New York, Connecticut, New Jersey, and Pennsylvania’s top insurers. From our Nanuet, NY office we insure businesses in the Nanuet, Suffern, Pearl River, New York City, Valley Cottage and Blaufelt communities. Let us do your business owners insurance shopping for you! Don’t delay; call our office today.
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