California
commercial and general liability insurance
Whether you are in the market for
commercial insurance, small business insurance, general
liability or contractor insurance, Binney, Chase &
Van Horne can identify and fulfill your needs.
We have also provided links to articles,
tools and facts to inform you about the California business
insurance industry.
Understanding
your Business
Property Insurance The best thing to do is to take a complete inventory of all your business property,
determine their value and decide if each is worth insuring. Then check to see that the
items on the inventory list are included in the basic business property policy and covered
for the correct amount. If not, ask your Binney, Chase & Van Horne agent about the cost of purchasing additional
coverage to meet your needs. Our
Smart Shopper Checklist will make it easier for you to
understand it. It's important to find out what your
policy does and does not cover, and its limits and
exclusions, before you have an accident. The
following are common additional coverages for business property (although this list is by
no means all-inclusive). Contact Binney, Chase & Van Horne to help select the coverage you
need. Click
on each item for a detailed description.
What types
of property do I need to insure?
Your business may not possess all the following types of property, but you can use this
list to make sure that you have considered all the property categories and any insurance
coverage that may be warranted:
- Buildings and other structures (owned or leased)
- Furniture, equipment and supplies
- Inventory
- Money and securities
- Records of accounts receivable
- Improvements and betterments you made to the premises
- Machinery
- Boilers
- Data processing equipment and media (including computers)
- Valuable papers, books and documents
- Mobile property such as automobiles, trucks and construction equipment
- Satellite dishes
- Signs, fences, and other outdoor property not attached to a building
- Intangible property (good will, trademarks, etc.)
- Leased equipment
To establish the amount of insurance you need on each, your Binney, Chase & Van Horne insurance agent can help
you review the types of property you own and their uses. Some of these items are covered
in the basic policies. For others, coverage can be added by an endorsement, or rider. And
some, like money and securities, may not be covered by a standard commercial policy and
may require a second, separate policy.
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