Capital Insurance Group: Getting Better Property Coverage for Your Business
Capital Insurance Group is well positioned to provide you with the property insurance your business requires – whether you operate a small Main-Street store, a large construction company or a technology firm with clients across the country. From basic risks to the more complex, our Certified Insurance Counselors and risk managers are experienced in providing the coverage features, terms and limits needed to protect your property in the event of a loss. We will review your existing coinsurance clauses, deductibles and any exclusions to see how responsive your property insurance is. We will also assess your property exposures and look at the cost to replace your structure and business personal property in the event of a loss so you are properly insured.
A Customized Policy
Depending on your operational exposures, your property insurance program can be designed as an all-risk policy with several key coverages:
- Equipment Breakdown
- Underground Property
- Debris Removal & Increased Cost of Construction
- Content & Improvement Betterments
- Valuable Papers and Records
- Personal Effects of Employees
- Off Premises Utility Failure
- Pollutant Clean-up and Removal
- Electronic Equipment & Signs
In addition, part of your property insurance program should include business interruption insurance. With business interruption insurance, it’s important to determine the amount needed to continue to operate and pay expenses in the event a covered loss forces you to close temporarily. We will also discuss your need for flood insurance as well as what type of disaster planning and business continuity plan you have in place should a catastrophic loss occur.
With Capital, you can be assured our relationships with leading national insurance companies allow us to negotiate solid coverage terms and pricing on your behalf.