Commercial Property Insurance

Insure the recovery—not an old estimate

Document buildings, tenant improvements, equipment, inventory, records, property off-site, and seasonal peaks.

• Ask whether valuation is replacement cost, actual cash value, or another basis.
• Review deductibles, coinsurance, ordinance or law, equipment breakdown, water, flood, and wind terms.
• Measure the time and cash needed to operate elsewhere or remain closed.

Create the record before a loss

Keep dated photos, purchase records, serial numbers, leases, contracts, and a secure off-site copy of the inventory.