Protect Your Property
Some business insurance policies protect against intangible things like libel and slander that harm your business. Other policies, such as commercial property insurance, safeguard the concrete aspects of your business — such as your building, machinery, equipment, tools, and fixtures. You can purchase commercial property insurance on property that you own, rent, or lease. Policies specify whether they pay replacement costs, cash-value, or a combination of coverage in the event of a claim.
There are different levels of commercial property insurance. Our agents will evaluate which makes the most sense for your business. The coverage options include:
- Basic, which applies to common risks including fire, smoke, and lightning strikes;
- Broad, which covers the basic as well as additional risks such as damage from falling objects or breaking glass;
- Special, which basically covers nearly any risk imaginable.
Depending on the type of business you’re in, commercial property insurance may be the most important insurance coverage that you secure for your business. There are many factors to consider when choosing a policy; we will work with you to ensure you get the right coverage to best protect your property.
Company Car Coverage
If you own a personal vehicle, you probably have car insurance. You’re probably required to have it by the state in which your vehicle is registered. If your business owns cars or trucks that are used by your employees on the job (and even for their own personal use) it may be a good idea to supplement that standard car insurance with a commercial vehicle insurance policy. This policy adds another layer of protection for your business in case a vehicle is involved in an accident, stolen, or damaged.
JVM Insurance will review the number of vehicles your company owns, which employees routinely use them, and how many miles they typically are driven, and will recommend whether commercial vehicle insurance makes sense for your business.