Commercial Insurance

Commercial insurance is much like your homeowners insurance. It can cover you from losses due to natural disasters, fire, theft, vandalism and can provide liability coverage. Like homeowners insurance, it also may have exclusions in coverage. Here are some specialized types of property insurance you may wish to consider depending on the type of business you are involved in.

• Builder’s Risk Coverage.This can cover a building that is in the state of construction.
• Business Interruption Coverage.This covers earnings losses as the result of damage that prevents the normal operation of the business.
• Inland Marine Insurance.This covers property while in transit. It can covers items being shipped from one warehouse to another or cover items like dry cleaning or laundry while be transported.
• Glass Coverage.If your business has a lot of plate glass you may want to be clear about the limits of your glass coverage.
• Commercial Crime Insurance.This can cover a variety of losses from crime including counterfeit bills and employee dishonesty.
• Flood Insurance. This coverage is generally not provided by your business insurance. Ask your agent about potential coverage through the National Flood Insurance Program (NFIP).
• Earthquake Coverage.Your agent can get you information about an earthquake extension endorsement that can cover your business in the event of an earthquake, not unheard of in Virginia.

There are also a variety of other specialized coverage options and add-ons you may wish to look into for your specific business.

The Insurance Boutique is an independent insurance agency in Virginia but we are also licensed to do business in North Carolina. As such, we can review the policies of any company. We can also get quotes from a variety of insurance carriers to find the coverage you desire at a price you can afford. Contact us and let’s discuss your business insurance coverage. Let’s discover where you may have weaknesses and where we can make improvements. Many times we save our client’s money while providing them with better coverage. Let’s discuss what we can do for!