Commercial property
We compare insurance for your workshop, machinery, and stock, including terms for the income lost after covered damage.
Commercial property insurance addresses covered physical damage to your insured premises and contents. We work through owned and leased equipment, stock values, and the costs of restarting production, then use that information to request and compare quotes.
We separate the building, tenant improvements, machinery, and stock in the submission. For rented premises, we read the lease obligations alongside the proposed insurance so you understand which property interests are included.
We help organize the reported equipment values and check the proposed settlement terms. A second-hand purchase price can differ from replacement cost, especially once specialist tooling and installation are included.
We examine business income and extra expense alongside the property policy. Repairing a damaged machine and replacing the income lost while it is down are different costs, with different terms governing the insurance response.
If a shop depends on one press, we look beyond its listed value when comparing insurance. Replacement time and temporary production costs help us assess business income and extra expense options alongside the cover for physical damage.
Commercial insurance reference: California Department of Insurance commercial insurance guide.
All insurance coverageTell us about your production setup and insurance deadline. We’ll prepare the submission and compare the market’s response with you.
