Building insurance
We know your building is more than just four walls and a roof. It’s the home of your business. That’s why building property protection is so important. Should your building or other structures be damaged or destroyed by a covered loss, we’ll help protect you against financial losses as you work to repair and rebuild.
As a small- or medium-sized business owner, your protection against property damage losses can be the difference between staying operational and closing for good. We’ll be there to help you get back to business.
FAQs
Building coverage applies to the buildings or structures you identify in the declarations, along with any completed additions to those buildings or structures.
Yes, they’re covered. If you haven’t purchased separate insurance to cover the additions or the property, your building property protection will cover additions under construction. Your insurance will also cover alterations and repairs to the building or structure, along with the supplies and any temporary structures you use for the additions, alterations, and repairs. For this type of situation, you’ll always want to discuss with your agent to see if the building limit is adequate, if it needs to be increased, and if they recommend a more appropriate coverage limit.
If you own the machinery or equipment and it fits the definition of being permanently installed in your building, it will be covered under your policy. However, if it’s likely to be moved or repositioned, we would instead categorize such equipment as business personal property, which you can protect by purchasing business personal property (BPP) coverage.
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401(k) investment options
Learn about your investment options and access resources to help you with your investment decisions.
