"We minimize risk by helping you plan for all possible contingencies."

Commercial property insurance helps businesses, including farms and ranches, pay to repair and replace buildings, associates structures, and contents damaged by fire, storms, theft, and other events outlined in the policy.

Business owners who either own or lease their buildings may purchase commercial property insurance. It's important for a tenant business to understand that the building owner's insurance policy will generally only cover the building or structure, not contents of the building belonging to the tenant. Tenants should purchase their own policies to insure their on-premises property, such as machinery, furniture, and merchandise. An insurance company will evaluate factors such as a structure's location and construction materials to determine the likelihood of a property loss.

Different types of commercial property policies protect against different risks, or "perils". It's important understand which types of losses a policy does and does not cover.

Many business owners buy additional coverages. Some are available as separate policies, and others are available as endorsements, or "riders," that enhance or amend a policy's base coverage. Generally, adding endorsements to a policy will increase your premium. Ask about sample of these additional coverages.

" Business Interruption, Pays for actual or projected income lost when a covered peril prevent normal business operations. Coverage forms can be added to commercial property policy that provides only business income coverage, only extra expense coverage, or a combination of both in the same form.
" Extra expense coverage. Pays any added costs a business may incur resulting from the need to expedite the return to operations after a covered loss.
" Building occupied by the insured. Covers a building that the insured regularly uses but does not own. This endorsement can be important if a business leases or borrow a building that critical for operations.
" Valuable papers coverage. Assigns a value to records or other essential information that could be lost. Papers are typically covered only to limited extent by the base policy.
" Boiler and machinery coverage. Boilers, air conditioning units, compressors, steam cookers, a nd electric water heaters are examples of machinery typically covered by this endorsement.
" Coverage against crime
" Flood insurance
" Windstorm
" Data processing equipment
" Mobile property
" Satellite dishes
" Accounts receivable
" Improvements and Betterments you made to the premises

Property damage insurance will help protect your investment if the building is damaged or destroy by fire or other causes.

Please speak to a Vantage business professional for a more detailed explanation of products available to assist you in your protection planning.