Commercial Insurance for Properties

Business Property Insurance

One of the most common types of business insurance is commercial property insurance, which provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, wind and other natural or manmade disasters are examples of what is typically covered with commercial property insurance in Colorado.

A basic business property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent insurance agent, Southern Colorado Insurance can help you determine the type of commercial property insurance coverage you need in Colorado and the range of coverage that is best for your business.

For a full list of coverages available, or to learn more about this business insurance in Colorado, contact us today.

About Commercial Property Insurance

Insuring Buildings
Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building. Give us a call today, and we’ll help you determine if you have enough business insurance in Colorado.
Flood Insurance
Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current commercial property insurance policy to be sure you are covered. If you’re unsure, just ask us to review your insurance policy, and we’ll help you find the best solution.
Business Personal Property Coverage
Business personal property insurance covers property at a specified location such as furniture, fixtures, equipment, and inventory. Be aware that most commercial property insurance policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).
Business Income (Business Interruption Coverage)
This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. We strongly recommend that all businesses acquire business insurance in Colorado. Contact us to get started!
Electronic Data Processing (EDP) Insurance
This coverage is separate property coverage specifically designed to protect your computer-related equipment. Most commercial property insurance policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks.

Southern Colorado Insurance understands the Colorado business insurance needs of our customers. Coverage is unique to each business, contact us for commercial property insurance! We offer business property insurance in Colorado Springs, Denver, Boulder, Fort Collins, Aurora, Pueblo, Durango, Salida, and everywhere in between!