Property coverage protects your investment in property and equipment that you may purchase or lease, while its in your care, custody and control. Some of the covered perils are: Theft, Fire, Wind, Lightening, Hail, Explosion, Vandalism, Smoke, Sprinkler Leakage, Riot or Civil Commotion, Sink Hole Collapse, Volcano.

The buildings and personal property coverage may be classified in three ways:

  • Owned buildings – These buildings are listed and described in the declarations of the insurance policy. Also covered is anything that has become a permanent part of the buildings, to include additions, fixtures, extensions, machinery, and equipment.
  • Owned Business personal property – Property covered is the business personal property that is owned by the insured and its common in the occupancy usage by the insured.
  • Non Owned Business personal property – Properties covered are improvements and betterments (Alterations made by the insured to the building that he or she is leasing and that cannot be removed upon the termination of the lease), and personal property of someone other than the insured that is under the care, custody, or control of the insured.

These coverages can be included in a package with the inland marine, and warehouse coverages. Most of our carriers can provide a wide range of ancillary benefits that are second to none.


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