Birmingham Commercial Property Insurance
When you purchase your Commercial Property Insurance policy it's vital that you are insuring your property to 100% replacement cost. In the state of Alabama there are coinsurance laws that can effect you if you have a claim. If your carrying less than replacement cost you can be penaltalized and a lesser amount paid out on your claim. As I Property owner this could be a financial disaster. There are three types of policy you can purchase each one providing different coverages.
- Basic form policies: Covers damage or risk common perils like fire, lighting, windstorm, aircraft commotion
- Broad form policies: Include the basic form perils but expand the coverage to additional perils like water damage, structural collapse, sprinkler leakage, and losses caused by ice, sleet or snow.
- Special form policies: Cover all the losses in the other forms but extend out to theft coverage. The excluded coverage would be flood, earth, movement, war, tourism, nuclear disaster, wear and tear, insects and vermin.
Computers, files, furniture and product inventory are key components of your business and you can protect against the devastating effects of their loss with a business property insurance policy.
When most of us think of commercial property insurance, our thoughts gravitate towards large objects such as buildings. But it's often the smallest pieces of commercial property that are most important to your business.
That's why a Alabama commercial property insurance policy will help you survive the loss of any vital property--both large and small. With this policy, you will be protected for the replacement cost of all of your vital property.
Worried about the costs? Commercial property insurance in the Greater Birmingham Alabama area is scalable to exactly what property you want covered so you can easily control your insurance costs.
Alabama Business property insurance is available to any business owner with property to insure. Even if you lease space, you'll want to consider your furniture, equipment, inventory, files as well as liability coverage.
Protect Your Commercial Property From Loss Of Computers, Files, Furniture, Product Inventory and Liability coverage By Choosing Chafin Insurance Agency Serving The Greater Birmingham Alabama Area Since 1962 To Supply All Your Commercial Property Insurance Needs
Here are two reasons to get started right away!
- Since your property changes, it's always a great time to review what you need covered--you can save money and make sure that your property is fully covered.
- It's easy and fact to get a no-risk quote. Simply fill out this form or call us at 205-674-7851 and we'll get back to you within a day with custom and affordable business property insurance policy.