17 Perlman Dr, Suite 203,
Spring Valley, NY 10977
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Commercial Insurance in New York

When you buy a home, you need homeowner’s insurance to cover the asset against loss. When you own commercial property as part of a business, you require coverage for similar issues with physical losses. Of course, homeowner's insurance does not apply to commercial property. It is in scenarios like these that you would consider purchasing an insurance policy for your commercial property. As per Edouard Insurance Agency Inc in New York, it runs the gamut of protecting you, your assets, the building, and your customers from liability.

The Coverage

Commercial insurance policies vary slightly; depending on the carrier you buy the policy from. In the simplest terms, commercial property insurance is a type of coverage that can keep you in business. One lawsuit from a customer can shut down your business if you are not covered. If you run a retail business and own the premises where your store is located, you would also use commercial property insurance to protect that building from loss due to fire and natural disasters. Similarly, if you are a physician in private practice, you would use this policy to cover your office contents, tenant improvements, and improvements.

Who Needs To Have Coverage?

All businesses should be covered by property insurance; namely:

  • Companies that own or lease an office space
  • Companies with a lot of product inventory
  • Companies that lease equipment
  • Manufacturers of products
  • Property management companies
  • Retail businesses
  • Corporations

You would also use business property insurance for two types of coverage: real estate and business personal property that you may be renting or leasing for business purposes, or for certain freelance work.

Speak to a Professional

If you are thinking of purchasing insurance for a business start-up or you are attempting to find lower insurance rates because you are putting in upgrades to your building such as high tech security cameras, then you should know and understand the variables, which were mentioned above. To avoid paying costly monetary compensation for lawsuits and replacing contents after a fire, water damage, or storm, you are going to need guaranteed coverage for your business so you can have peace of mind. Edouard Insurance Agency Inc and its management can help you with this. If you live in Spring Valley, NY, or its surrounding areas, do not hesitate to call or visit the website to learn how.

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