Commercial Property Insurance
Since 1927, Donnelly and Sproul Insurance has served the insurance needs of New Jersey businesses and families. Today, we continue that tradition, as an independent insurance agency able to offer insurance products for your business property from the nation’s top insurers.
We believe that treating you fairly and honestly is the reason we’ve enjoyed such longevity in a highly competitive industry. That’s why we will continue to go out of our way to secure quality insurance options for businesses, while diligently working with your needs and your budget for the right combination of insurance coverage and costs.
WHY BUY COMMERCIAL PROPERTY INSURANCE?
With so many insurance products available, many businesses assume that all of their commercial property coverage needs are met within the standard business owner’s policy (BOP). The truth is that the BOP is much like the state minimum coverage when it comes to automobiles. It does provide minimal coverage to protect your business. However, if you want full coverage, you need to invest in fuller coverage.
Business property insurance goes beyond the property coverage in the standard BOP in coverage amount and scope. Commercial property coverage not only offers coverage for the building itself and up to the covered amount of inventory, but also to things like:
- Outdoor signage
- Shelves and Fixtures
- Office Equipment
- Cash Registers
- Displays
- Landscaping
- And more!
WHAT KINDS OF BUSINESSES NEED BUSINESS PROPERTY INSURANCE?
As the name implies, businesses of all kinds need this vital type of insurance coverage, including:
- Shoe Stores
- Toy Stores
- Battery Stores
- Book Stores
- Clothing Stores
- Grocery Stores
- Bridal Shops
- Repair Shops
- Fabric Stores
- Cooking and Kitchen Supply Stores
- Hobby Shops
- Pottery Shops
- Arts and Craft Supplies
- Restaurants
Commercial property insurance and casualty coverage is not limited to retail enterprises. Office spaces and manufacturing businesses need this important insurance coverage as do contractors, medical facilities, and professional service providers. Essentially every business operating in the state of New Jersey that has property needs to protect that property with an appropriate commercial insurance policy.
Business owners should discuss their insurance needs with Donnelly and Sproul so that we can conduct a side by side comparison of your coverage to see if you have the coverage you need and compare rates to see if we can provide you with a lower quote.
Of course insurance alone is not enough to avoid all potential disasters. Donnelly and Sproul understands the challenges facing New Jersey businesses today from the competition and the economy itself. We’re here to help you reduce your risks.
We can do this by examining your current insurance policies in order to find opportunities to transfer risk, reviewing leases for insurance requirements, identifying areas of risk, pointing out safety standard areas where improvements can be made, and detailing steps you can take to reduce those risks. These efforts will, in turn, help you lower your rates and premiums.
CALL US TODAY AT 201-493-9002 OR EMAIL TO GET A FREE QUOTE AND TO LEARN MORE ABOUT HOW WE CAN HELP YOU GET THE COMMERCIAL PROPERTY AND CASUALTY COVERAGE THAT WILL SERVE YOUR BUSINESS BEST!
