Commercial Property Insurance

Commercial Property Insurance

Covering Your Assets

Commercial property insurance is a critical coverage for business owners. It helps protect your business’ physical location and property, including your:

  • Buildings
  • Tools
  • Equipment
  • Inventory
  • Furniture

If disaster strikes your business’ physical assets, commercial property insurance helps cover the cost of repairs or replacements. This type of policy can help your business in the event of:

  • Break-ins
  • Vandalism
  • Fires
  • Windstorm
  • Other natural or manmade disasters

It also helps protect other business assets, such as your:

  • Accounts receivables
  • Computers
  • Lost income if you can’t operate because of a covered loss

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, NHC Insurance Services can help you determine the type of insurance policy and range of coverage that is best for your business.

Although [Sunshine] knew about the huge problem regarding our Business Owners Insurance, she stepped right in and sorted things out. Not only did she correct the problem with the current policy period but she also rectified a problem on the prior year’s audit. And in addition was able to stop the cancellation process that was already in motion and to become effective at 12:01am that evening.

She has been a terrific help and never once was even the slightest bit annoyed about any of it. Because of her, I will recommend anyone I know looking for Business Insurance to contact NHC Insurance. You have a real find, and should be proud of her.

Abbie H.

These guys are very easy to work with. They answer all my questions easily and are easy to get a hold of when I have needed to reach them!

Todd F.

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Get to Know: Commercial Property Insurance Terms

Building: Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building.  Give NHC Insurance Services a call today at 310-221-0917, and we’ll help you determine if you have enough commercial property insurance for your business.

Earthquake and Flood: Most commercial property policies exclude Earthquake and Flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered.  You don’t want your business at stake before the next Earthquake!!  If you’re unsure, just ask NHC Insurance Services to review your coverage, and we’ll help you find the best solution.

Business Personal Property: Business personal property insurance covers property at a specified location for furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).

Business Income (Business Interruption Coverage): This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event, such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. NHC Insurance Services strongly recommends that all businesses acquire this coverage.

NHC Insurance Services understands the business insurance needs of our customers. The right coverage for you is unique – call us at 310-221-0917 or fill out the Request a Quote form on this page to find out how we can help you protect your business and your future with the right insurance.

Jessica M. Ortega has been a beneficial and professional relief in my overwhelming personal endeavors while starting my business. As we all know there are many factors and legal statutes that govern contractors in California. While searching for the best carrier for my communications business, I randomly found Safeco and Jessica.

Jessica has answered all my questions, concerns and requests with professional and quick results. She will handle any and all my business and personal insurance needs. Jessica is well appreciated and respected by all of those in my industry.

Jason M.

We really appreciate the fast and friendly service provided to us by Jessica. We were recently running out of time to keep our insurance policies from lapsing and she was able to assist us within a day of our submitting the necessary paperwork.

Additionally, she had the initiative to solicit us for a quote on a policy that we had with another carrier, which we had not planned on switching, and the result was that we saved $700 on that policy written by NHC. Jessica did a great job for us and we are enthusiastically appreciative of her efforts and service. Thanks for a job well done!

Len M.

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