Commercial Property Insurance

Serving the unique needs of businesses in Texas

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

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, White Slate Insurance can help you determine the type of insurance policy and range of coverage that is best for your business. For a full list of coverage available, or to learn more about property insurance, contact us today at 817-809-4522 or [email protected]

What you need to know about commercial property insurance:

Building

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.

Flood

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 property insurance policy to be sure you are covered. If you’re unsure, just ask White Slate Insurance to review your coverage, and we’ll help you find the best solution. Contact us at 817-809-4522 or [email protected]

Business Personal Property

Business personal property insurance covers property at a specified location for furniture, fixtures, equipment and inventory. Be aware that most commercial property 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. White Slate Insurance strongly recommends that all businesses acquire this coverage.

Electronic Data Processing (EDP)

This coverage is separate property coverage specifically designed to protect your computer related equipment. Most commercial property 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.

For more information contact us here.

Based in Texas, White Slate Insurance understands the business insurance needs of our customers. The right coverage for you is unique – call us at 817-809-4522 or [email protected] today to find out how to protect your business and your future with the right insurance.

Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.

This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.