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Commercial Property Insurance
At Moinot Insurance Agency, we also specialize in providing insurance for office building owners, apartment owners and commercial building properties. Our experienced agents understand the challenges and concerns that building owners face every day, and work with you to provide the best coverage at the best possible price. We offer flexible pricing plans at affordable prices to accommodate any building or property situation. We will evaluate your needs and give you options for deductibles, limits and requirements.
We can then provide you with a customized plan that takes into consideration your needs, past loss history, prevention efforts and precautions you have taken for safety control.
Commercial Building & Property insurance is one of the most important types of insurance to protect your business. These are a few of the different types of coverages:
Business and Commercial Insurance can be tailored to include:
Property insurance can cover the buildings that you own and/or business property and inventory against physical loss or damage. If you don't own your building, you'll still need contents coverage. In the most policies, property insurance for business contents covers furniture, fixtures, inventory, office equipment and other supplies stored at your facility or off-premises. You may insure those items for replacement cost or for actual cash value (ACV), which pays only for the depreciated value of the property.
Business interruption insurance, which covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location
Liability protection is designed to protect the business against losses even if there is a frivolous lawsuit or they are negligent or liable for damage, injury or loss to another's property, reputation, or health. Typically, damages, legal defense fees and settlement charges are paid by the insuring company when a claim is filed against the business. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
Broad Range of General Liability Protection
- Bodily Injury, including the cost of care, the loss of services, and the restitution for any
death that results from injury
- Property Damage coverage for the physical damage to property of others or the loss of
use of that property
- Products-Completed Operations provides liability protection (damages and legal
expenses up to your policy's limit) if an injury ever resulted from something your
company made or service your company provided
- Products Liability is a more specialized product liability insurance that protects your
company against lawsuits from product-related injury or accidents
* Contractual Liability extends to any liability you may assume by entering into a variety
* Other coverage includes: Professional liability for the unique services you provide;
Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles
(such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage
Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury;
Advertising Injury; and specialized liability protection for specific business types