Commercial Property Insurance – Toledo, OH

Coverage That Protects Your Business

Commercial Property Insurance

Safeguard your physical assets with Commercial Property Insurance. This policy protects your building, equipment, and inventory from risks like fire, theft, and natural disasters. Whether you own or lease your space, ensure your business can recover quickly from property damage. Don't let unforeseen events disrupt your operations. Secure your property and your peace of mind with a tailored quote.

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One of the most common types of business insurance in Ohio is commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or manmade disasters are examples of what is typically covered.

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, Protected Insurance can help you determine the type of insurance policy and range of coverage that is best for your business. For a full list of coverage available, or to learn more about this product, contact us today.

What do you need to know about commercial property insurance?

Building

Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building. Give Protected Insurance a call today at 419-820-8726, and we’ll help you determine if you have enough commercial property insurance for your business.

Flood

Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just ask Protected Insurance to review your coverage, and we’ll help you find the best solution. Call us for insurance for flood in Toledo, OH or anywhere in Ohio today.

Business Personal Property

Business personal property insurance covers property at a specified location for furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).

Business Income (Business Interruption Coverage)

This insurance coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event, such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. Protected Insurance strongly recommends that all businesses acquire this coverage.

Electronic Data Processing (EDP)

This coverage is separate property coverage specifically designed to protect your computer-related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks.

Based in Ohio, Protected Insurance understands the business insurance needs of our customers. The right coverage for you is unique – call us at 419-820-8726 or email us today to find out how to protect your business and your future with the right insurance.