BUSINESS PROPERTY INSURANCE:  This insurance is a way for business owners to protect themselves from unforeseen circumstances, such as natural disasters, fires, criminal theft and other calamities that may damage important commercial properties.  It is a way to protect a business' physical goods, like buildings, signs, equipment and other potentially valuable goods.

COMMERCIAL BUILDINGS:  This covers the value of the building itself up to the policy limit less the deductible you choose.  The coverage can either be Actual Cash Value or Replacement Cost.

BUSINESS PERSONAL PROPERTY:  This covers your business personal property up to the policy limit less the deductible you choose.

REPLACEMENT COST COVERAGE:  This covers a piece of property for the amount it will cost to replace it, with a comparable one, without deducting anything for depreciation.

ACTUAL CASH VALUE COVERAGE:  This covers a piece of property for its actual cash value, applying deductions for depreciation of the property by age and condition.

BUSINESS INCOME COVERAGE:  This covers loss of business income due to a covered loss.  Business income is the net income that would have been earned or incurred, and continuing normal operating expenses incurred, including payroll.

COMMERCIAL CRIME COVERAGE:  This covers money and securities, stock and fixtures against theft, burglary and robbery both on and off the insured premises and from both employees and outsiders.

DEBRIS REMOVAL COVERAGE:  Covers the cost of removing debris after damage from fire or other covered peril that requires debris removal before reconstruction of the damaged building can begin.

ELECTRONIC DATA PROCESSING COVERAGE:  This is designed to cover your computer equipment, data systems, information storage media and expenses or income loss related to the destruction of hardware or software.

EMPLOYEE DISHONESTY COVERAGE:  This protects an employer from financial loss due to the fraudulent activities of one or more employees.  The coverage includes protection for loss of money, securities, and other property of the insured.

GARAGE KEEPERS COVERAGE:  This covers physical damage to customers' cars left in your care, such as for service, repair or storage.