At American Insurance Associates, we know the hard work and dedication required to successfully grow a business. This is why we appreciate the opportunity to help local business owners in Castle Rock, Colorado find affordable commercial property insurance that protects their hard-earned assets.
Do You Need Commercial Property Insurance?
Many business owners believe that commercial property insurance is only needed when you own a building. While it does offer protection for business property owners, it also covers losses if you lease an office or work from home.
Commercial property insurance is designed to protect all of your business’ physical assets including:
- Furniture and equipment
- Other’s property
What Does Commercial Property Insurance Cover?
While commercial property insurance policies vary, they typically cover losses caused by fires, theft, explosions, damage from vehicles or acts of vandalism. Additional coverage can be added for earthquakes or breakage of glass.
A commercial property insurance policy will protect a building, as well as computers and other office equipment, inventory and even outdoor items that are located at the covered location.
Need commercial property insurance? Call us today for a FREE business insurance quote at 303-663-1555.
How Are Business Property Losses Calculated?
With commercial property insurance policies, losses are either paid based on replacement cost or actual cash value.
- Replacement Cost – The price for repairing, replacing or rebuilding property with comparable materials and quality without deducting any depreciation
- Actual Cash Value – The cost of replacing property with new property, less depreciation.
Let American Insurance Associates provide you with your options so that your property is sufficiently insured. We can also help you with your other business insurance needs including:
- General Liability Insurance
- Worker’s Compensation Insurance
- Disability Insurance
- Professional Liability Insurance
Your Business Is Unique
Every business is different. For this reason, we don’t take a one-size-fits-all approach to commercial property insurance coverage. Instead, we take the time to understand your specific needs and find the policies that make sense. As independent, licensed insurance professionals, we only work with the top business insurance providers in the industry and work hard to find all available discounts.
We encourage you to contact American Insurance Associates today to get the help you need to protect your business today and as it continues to grow.