SYNTERRA INSURANCE GROUP
Commercial Building Insurance

Like a standard homeowners policy, most business or commercial insurance policies cover both real and personal property. Real property includes your land and buildings. Some policies cover the main building but not additional sheds, fences and other structures. Some may exclude trees, outside signs and glass. Personal property that belongs to the business such as inventory, equipment, furniture, machinery and the like are usually covered.

Coverage can be provided on an "Actual Cash Value" or "Replacement Cost" basis, and can be as broad as "All Risk" or as simple as "Named Perils." A deductible will usually apply to each loss and can be as low as $250.

Additional types of coverage that can be purchased include boiler and machinery, loss of business income, peak season coverage, valuable papers and records, inland marine coverages for property used off your premises and bailees coverage for someone else's property in your custody.

In fact, because no two businesses are exactly alike, business policies are designed to be tailored for you. Your Synterra Insurance agent can help you in preparing an inventory and determining what coverages and limits you will need.

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