subject: Things To Consider When Purchasing Commercial Property Insurance [print this page] When a business owner decides to purchase premises specifically for their business, they are actually taking on a huge responsibility. Of course if you rent the premises, then most of the responsibility lies with the landlord, but of course renting is not always the best option, particularly for businesses who are aiming to expand.
Once you've purchased the premises you immediately become responsible for the upkeep and maintenance, and while this is for the most part pretty basic, you could also find yourself on the receiving end of some type of calamity.
To put it simply, you need to have commercial insurance. These policies are designed to cover practically all types of businesses and business premises. Irrespective of whether you own a dental clinic, a bakery, a screen printing shop, or even a multi-million pound manufacturing plant, insurance companies are able to provide you with the correct type of cover.
If you run your business from home, you are still advised to get in touch with an insurance broker, bearing in mind that any property which is used to conduct business is classified as being commercial property, and as such, regular household insurance may not be adequate enough.
The importance of doing research simply cannot be stress enough, because the more knowledge you have regarding insurance policies, the more likely you are to choose the correct type of cover.
What many people fail to realise is that some commercial insurance policies will only cover the actual structure of a building. In other words, if a fire was to break out, and it ended up destroying a huge amount of your assets, you wouldn't receive any compensation from the insurance company. For this reason, it's vital that you verify whether or not your policy also covers the contents within the property. Your insurance policy should also offer you some level of protection with regards to others being injured or killed on your premises.
Generally speaking, there are two basic types of commercial insurance available. With the first kind, you would be required to specifically name all the potential dangers you wish to be covered against. Many people refer to this type of policy as a 'named peril' policy. The second option is often referred to as being an 'all risks' policy.
Basically, the latter offers you the highest level of protection, but of course it also costs more. For the most part, this type of policy will cover you against practically all eventualities, although it's not uncommon for insurance companies to include certain exclusions. This part of a policy needs to be studied carefully before you accept it, because you need to have a clear picture in your mind with regards to what is covered and what isn't. Apart from very small one-man operations, this type of insurance policy tends to be the policy of choice.
One very important thing to bear in mind is the fact that there is more to commercial insurance than the policy alone. Even if you are paying an arm and a leg for cover, if the insurance company you've chosen is unable to operate with integrity, you could end up being bitterly disappointed further down the line if you ever need to depend on them. Whatever you do, always make sure you choose a reputable company with a long standing history of excellence.
by: Tom Jones
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