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Commercial Property Insurance - Hagerstown, MD

Coverage that protects your assets.

Commercial Property Insurance in MD, VA, PA & WV

Commercial property insurance protects your business assets in the event they’re stolen, damaged, or destroyed. We can help you design business insurance coverage that will protect your company’s property.

Fires, floods, theft, and accidental damage can do a lot more than just damage or destroy your property. They can also devastate your business.

Whether you’ve got buildings, commercial vehicles, or essential equipment that keeps your business running, losing these assets could be a potentially critical setback for your business. 

What Is Commercial Property Insurance?

Commercial property insurance helps to protect your building—owned or rented—plus any tools and equipment you use to operate your business. With this coverage, you’re protected from losses caused by:

  • Fire
  • Burglary
  • Theft
  • Wind
  • Lightning

What Does Commercial Property Insurance Cover?

Commercial building insurance can cover a variety of your business’ physical assets, such as :

  • Building
  • Equipment
  • Tools
  • Inventory
  • Furniture
  • Personal property

With a commercial property insurance policy, you can protect against having to fully cover the cost of replacing lost, damaged, or destroyed property. This insurance also can cover any associated losses. For example, the lost income caused by part or all of your business is temporarily out of commission.

Even if you don’t have a lot of valuable equipment and property, it’s worth exploring the coverage that commercial property insurance offers you. It may cover risks you haven’t thought of. For example, some policies protect against the additional costs you may face if, when rebuilding a damaged business facility, you’re no longer exempt from local building codes.

Also be sure to check whether a policy covers the cost of removing any debris before repairs or reconstruction begins, and if your property is covered against any weather damage while undergoing repairs.

How Do You Value A Property?

Commercial property is valued in three ways:

  • Actual cash value: How much it would cost you to replace an item, minus any depreciation.
  • Replacement cost value: How much it would cost to replace an item with something comparable.
  • Fair market value: The cost of an item if it were to be sold today.

Be sure to check how your property is valued by your insurance company, as it impacts not only how much you’ll receive if you need to make a claim, but also your monthly premiums.

Protect your business with a commercial property insurance policy from Antietam Insurance. Our experienced team can help you design a policy that’s right for your needs and your budget. Get a quote today!

Let’s discuss your insurance options.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate commercial property insurance solution. There’s no obligation, just good-old-fashioned advice.
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Antietam Insurance Associates, Inc. offers comprehensive commercial property insurance in Hagerstown and Boonsboro, Maryland. In addition, we are proud to serve Martinsburg, Falling Waters, and Inwood, West Virginia. Finally, we work throughout Pennsylvania, including Greencastle, Waynesboro, Chambersburg, and Mercersburg.
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