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Commercial Property Insurance

Commercial Property Insurance

Commercial Property Insurance

Customize Your Business Insurance Policy

Running a business keeps you busy, so you don’t want to waste your time worrying about future accidents or having the wrong insurance policy. The good news is that you can customize your commercial property insurance with the help of a specialist at Centurion Insurance Services to build a policy that aligns with the needs of your company. That way you’ll sleep well at night knowing that whatever happens, big or small, your company can stay up-and-running.

What Commercial Property Insurance Does For You

At the end of the day, commercial property insurance through Centurion Insurance Services gives you the means to keep your head above water and bounce back if things go wrong. Not every business is the same, and not all policies are the same either. Our agents help you create a policy that keeps your small-to-medium-size business insured from top to bottom by covering items such as:

  • All office equipment including computers, phone systems, and furniture (whether owned or leased)
  • Accounting records and other important company documents
  • Inventory
  • The building your business is housed in (whether owned or rented)
  • Manufacturing or processing equipment
  • Exterior items such as fences, signs, and satellite dishes

More Coverage Options

Your insurance policy should be just as unique as your business’s needs. So for some, specialized coverage options are a must. For example, ask your Centurion Insurance representative if your business can save more by combining your commercial property insurance with a commercial general liability policy.

Builder’s risk insurance and equipment breakdown coverage can also be included in your commercial property insurance policy. Builder’s risk protects materials or equipment from damage or loss sustained during construction or remodeling. Equipment breakdown coverage, sometimes called “boiler and machinery,” keeps any electrical, electronic, or pressurized equipment insured from breakdowns or loss.

How Much Will Commercial Property Insurance Cost?

Your policy premium is based on a number of factors. The value of your business assets is perhaps the most important factor, but other considerations include:

  • Location: If your business is in an area that's prone to natural disasters or in a rural town with limited fire protection, for example, this could affect your insurance premium.
  • Construction: Whether your building is made from fire-resistant materials; whether you have upgraded electrical wiring, plumbing, and HVAC; and how old your building is are all factors that can help determine insurance costs.
  • Occupancy: Are you in a shared building with other businesses, or are you in a stand-alone building? The industry you're in could also affect your premium, as restaurants inherently carry more risk than an office building.
  • Fire & Theft Protection: We also consider how close the nearest fire station is, your building's security system, and alarms and sprinkler systems.

Get Your Commercial Property Insurance Quote

As you can see, policies can vary greatly depending on your needs. Connect with a commercial insurance specialist at Centurion Insurance Services to discover the best way to protect your business. We currently serve the states of Arizona, Nevada, California, Utah, Colorado, and Texas.