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Quick Guide to Corporate Property Insurance

Property insurance provides protection for the property your business operates in from things like fires, theft, or some weather damage. It is important for business owners to consider this type of insurance in order to be protected from all angles. Property insurance is just as important as business insurance, because it protects the office in which you work from elements that are completely out of your control.

Generally, property is insured in two ways: open perils and named perils. If you have open perils insurance, than your insurance company will cover the causes of loss that are not specifically named in your policy. With a named perils insurance policy, loss will only be covered if the specific circumstance is listed. Theft, lightening, explosion, and fire are commonly included named perils in such insurance policies. Some insurance companies will require additional, specific insurance policies for your business, such as fire insurance or flood insurance. You can speak with insurance companies in order to get quotes or more information about the coverage you will need.