Commercial Property Insurance

AIS Business Specialist help you protect your business property.

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Overview

Just like people, no two businesses are exactly the same, which is why finding Commercial Property Insurance that fits your business is so important. AIS Business Specialists are experts in helping you customize the coverage you need from top-rated insurance companies. Whether you own or lease, whether you operate in a factory, store, restaurant, office or other location, Commercial Property Insurance will protect you in the case of a minor or major financial loss.

What Is Commercial Property Insurance?

Commercial Property Insurance is a type of coverage that protects a business by paying for the repairs or replacement of business property that has been damaged or destroyed.

The Basics of Commercial Property Insurance

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Commercial Property Insurance can be understood in three categories: Building Coverage, Business Personal Property Insurance, and Business Income.

Potential losses can result from a variety of incidents such as fire, infrastructure issues, damage from bad weather, theft, vandalism, and more. Losses come unexpectedly and can bring a business to a long halt if it's not covered properly.

Building Coverage

Depending on what kind of facility your business operates in, various insurance options are available to you. If your facility needs to be repaired or rebuilt to get your business back in shape, this coverage will cover costs as outlined in your policy.

Business Personal Property Insurance

This coverage offers protection for those business essentials you can't do without, such as your supplies, documents, equipment, furniture, signs and more.

Business Income

When a business suffers a loss, it could really put a strain on the balance sheet as the business' potential to generate income may be affected. Business Income insurance helps replace lost business income so that a business can keep the lights on while it recovers.

Habitational Coverage (Apartments)

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If you own rental property with 8 units or more, you need Commercial Property Insurance. If you currently have Homeowners Insurance or no insurance, you may be vulnerable to significant loss in the event of an incident. Habitational Coverage is a part of Commercial Property Insurance that can protect you.

There are various scenarios in which this type of coverage is a clear advantage. For instance, you’re covered if a tenant gets injured on your property and files a lawsuit against you or if the dryer in the laundry room starts a fire that spreads across the apartment community. Our Specialists can help customize your insurance policy’s Habitational Coverage.

How AIS Business Specialists Support You

Our specialists have a keen eye for helping you identify areas where your business may be exposed and will help you get covered. AIS specialists search through top-rated insurance companies and present you with the best options in terms of coverage and savings. Furthermore, there are no broker or service fees. We're truly on your side.

What Do I Need When Calling AIS to Shop for Coverage?

Below are a few things you should have ready for an AIS Business Specialist. You can also download and print the list as a checklist and fill it out. Having this info at hand will help our specialist find you that perfect coverage much faster. If you're having trouble gathering information or have questions, don't worry. Call us anyway, and we'll guide you through the process.

If you lease your building or workspace:

  • Business name
  • Business address
  • Business type
  • Description of operation
  • Years in business
  • Year built
  • Square footage occupied
  • How much BPP (business personal property) you have
  • Sprinkler system info (yes/no, updates)
  • Alarm info
  • Number or employees
  • Is any work subcontracted?
  • Annual gross sales
  • Employee payroll
  • Coverage desired

Download as Checklist

If you own your building or workspace:

  • Business name
  • Business address
  • Business type
  • Description of operation
  • Years in business
  • Year built
  • Square footage occupied
  • Construction type
  • Sprinkler system info (yes/no, updates)
  • Alarm info
  • Number of stories
  • Roof info (type, year, updates)
  • Plumbing info (year, updates)
  • Electrical info (year, updates)
  • HVAC info (year, updates)

Download as Checklist

Let's Get You Covered

Remember, Business Property Insurance is an investment and protection that is crucial to a thriving business. AIS Business Specialists are ready to assist you. Call us today at (866) 570-7335.

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