Coverage
Commercial Property
Commercial property covers your building, contents, stock, and tools, plus the income you lose while a covered loss keeps you from operating.
What a policy usually includes
- Building and tenant improvements
- Business personal property and stock
- Inland marine — tools and mobile equipment
- Business income and extra expense
- Equipment breakdown
What to watch for
- Wind and hail deductibles in Minnesota and Wisconsin are often a percentage of value.
- Underinsuring a building can trigger a coinsurance penalty at claim time.
- Tools and equipment away from premises need inland marine, not property coverage.
Related coverage
Kriener Agency is a licensed insurance agency. Coverage descriptions on this site are general summaries for information only and do not amend, extend, or alter any policy. Coverage, terms, discounts, and availability vary by carrier, state, and applicant, and are subject to underwriting approval. Only the issued policy determines what is covered. Submitting a request does not bind, alter, or cancel coverage.
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