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Commercial insurance comes in three different types: Property, liability and workers compensation. Commercial property insurance offers an almost limitless list of options that can cover every aspect of your business, regardless of what type of business it may be, in addition to standard property coverage.

Boiler and machinery insurance covers costs that arise from damage to or theft of your business equipment, whether that equipment is machinery, computers or any other type of device.  

Debris removal insurance is another type of commercial property insurance that can serve you well. If your business is damaged by bad weather, fire or even flood, debris removal insurance is essential. While property insurance covers the cost of rebuilding, it does not cover the cost of removing debris. For this, debris removal insurance is required.  

Thinking of constructing a new building to house your business in? You may want to consider builders risk insurance. This covers buildings while they are in the process of being constructed.

Another valuable insurance to consider is glass coverage. This coverage is especially designed to cover the costs of broken doors and windows, which can be surprisingly costly to repair or replace.

If your business will be dealing with property in transit or other people's property, inland marine coverage should be considered. This covers the cost of such property that gets damaged while you are holding it.

Business interruption insurance is another option that can benefit almost any business. If circumstances cause your business to shut down, whether briefly or for a longer period of time, this helps cover the costs of salaries, taxes, rents and profits.

Ordinance or law insurance is another commercial insurance option. This insurance covers the costs of demolishing a building (for example, after fire damage) and rebuilding it according to code.

Tenants' insurance is also an importance coverage. If your business is renting space, it covers damages to improvements made and costs associated with employee negligence.

Crime insurance is another option that may come in handy. This covers costs associated with theft, burglary, robbery and even loss of securities and stocks.

Finally, fidelity bonds are another type of commercial insurance that may benefit your business. This covers losses due to bonded employees' theft of business property or money.

Regardless of what type of business you own, commercial insurance can provide a safety net to protect your assets. The question is not what can be covered, but what you want covered.

We’ve got you covered. Call First Independent - Descamps Insurance Agency at (586) 247-2220 for more information on Sterling Heights business insurance.

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