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Property Insurance
We insure a variety of commercial properties, and can help you select thebest coverage at the lowest cost. Some of the types of establishments wecover are:
- Construction
- Shopping Centers
- Commercial Property
- Apartment Complexes
- Retail and Wholesale
- Commercial Umbrellas
- Condominium Complexes
- Churches
- Manufacturing
Property insurance is the coverage without which most enterprises simply could not open their doors for business. There are five elements to the standard Commercial Property Coverage:
- Declarations:
- The declarations page of the policy contains the following information: (a) description of the property to be insured, (b) kinds and amounts of coverage, (c) list of mortgages if any, (d) deductible amount, and (e) property coverage forms.
- Commercial Property Coverage Forms:
- These forms consist of an insuring agreement, describing property covered and not covered and setting forth additional coverage and coverage extensions.
- Commercial Property Conditions:
- This form contains conditions that apply to all commercial property coverage forms, unless a coverage form contains a condition to the contrary.
- Causes of Loss Forms:
- These forms specify the perils covered by the contract. The three forms available are: basic, broad, and special.
- Endorsements:
- These forms are used to tailor a contract to meet the specialized needs of a particular insured.
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