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What is Commercial Building Insurance?
If you are a business owner, it is likely, if you own your own building, that the building is your one
of your single largest assets. Are you sure you are covered correctly? Is there enough
coverage to rebuild your building inside and out in the event of a total loss?
Commercial building insurance protects business owners from risk and loss in the event of damage from water, fire, theft, storms, vandalism, or other forms of destruction. A commercial building policy will cover the physical structure and building materials of the property, as well as any exterior fixtures that are a part of your business like an outdoor sign or fence.
When your business property suffers damage, there is not only financial loss from the damage but there can also be financial consequences if your business has to close for repairs. What about the extra expenses that come from such an event? Where will you run your business while your building is being rebuilt? Will your business be shut down during the renovation? Who will pay your valuable employees if there is no work being done and no revenue coming in?
The right commercial building insurance policy will not only protect the property itself, but it will cover any loss of income that a company might go through after damage occurs.
These policies will cover profit loss, increased expenses that might occur because of the damage, or losses if the business has to close while repairs are made.
Having the right commercial property insurance is essential to protecting your business, your customers, your employees, your brand, and your livelihood.
In layman’s terms business personal property or contents coverage is insurance that covers anything in your building that is not permanently attached to the structure. Essentially, if you turned the building upside down, anything that fell out is not part of the building itself and not permanently attached and would be classified as business personal property or BPP.
This includes the furniture, supplies, computers, printers, and other office items needed to run your business. In the case of theft, fire, flood, vandalism, or other kinds of damage, all the business personal property you own and use in your business is covered. It’s important to know that while a commercial property policy will protect your business personal contents, if you transport any of your business property of the business premises, you will need to have additional coverage to protect you during transport.
Does your current commercial property policy completely protect you from the loss of these assets? Do you move your business personal property between multiple locations? Make sure you are properly covered from financial risk by getting the right policy for your business.
Insurance Professionals of Arizona will take the time to get to know your business needs and make sure you are properly protected and we will do it at the most competitive price in the marketplace. As brokers, we are able to bid your insurance needs with multiple carriers to make certain you are paying a fair price.
Why Choose Us?
Your home, family, and assets are important to you. Choose an insurance agency that cares about protecting them as much as you do.
We have access to dozens of carriers to get you the right policy at the best price
We live and work where you do and understand the market options available
100+ Combined experience
Our brokers have the expertise to know exactly what coverage you need
We are not captive to any product or policy
It is important to us that our clients are happy, and protected
Our Trusted Insurance Partners:
What Our Clients Have to Say…
Jen with IPA has been very helpful
Jen with IPA has been very helpful in working with me to select the best coverage at the best rate for our 3 cars. She is friendly, professional, and most of all response to my calls/e-mails in a timely manner.
Kim Iverson was fabulous to work
Kim Iverson was fabulous to work with in finding the best rate for my car insurance. She continued to follow up with me, answering questions to ensure my needs were being met. I’ve recommended her to my friends.
Chris was more than helpful!!
Chris was more than helpful!! Not only did he find me a lower rate per month, but I now have a $0 deductible for glass coverage and also a better insurance company with Progressive! I couldn’t be more thrilled to find someone local from my hometown and he was able to help me save! Thank you again much appreciated! So glad I found him from Mesa Roots FB page!!
She listens to what your desires are
Kim is a great agent. She listens to what your desires are and then finds the best match for you. Year after year she is able to find me the rates for all my coverage needs! I would highly recommend Kim for your insurance needs.
I met Kim years ago at a conference
I met Kim years ago at a conference and we have stayed in touch. I had some clients moving to her area so referred her over and my clients are THRILLED. They loved the experience with her, her professionalism, her ability to work with them long distance and her patience while they went in/out of contract on a couple places.
He obtained what he exactly want
We came to IPA with a request for quotes on auto, golf cart, and home insurance. Our contact was Chris Thomas and we were more than happy with his response, all in a very timely and professional manner. He obtained exactly what we needed and got coverages bound in less than 48 hours from our initial phone call.
Customer Service is Alive and Well at IPA!
Customer Service is Alive and Well at IPA!! This morning I had a question about my business insurance policy renewal and reached out to Kirsten Walters at Insurance Professionals of Arizona. No matter how busy she might be, Kirsten always focuses 100% on your issue, taking as much time as necessary to fully address the matter.
Honestly, I had been having issues
Honestly, I had been having issues with my previous insurance company and the UPS guy that visits my work regularly told me about this place. I called, spoke to CHRIS THOMAS and he was the best person to speak to! He was very easy to talk to and made everything simple and fast. Getting a quote and signing up was super easy and smooth! Thank you Chris!
They treat me like family
They treat me like family and are always available. Even though I live in Texas, they’ve found me the best rates every year for home and auto. I’ve been so satisfied that I referred my own kids and mother to them. I look forward to working with Porter and Dixie for years to come.
5.0 star ratings