Business Property Insurance

INSURANCE Protection for Your BUSINESS PROPERTY

Most standard Business Property Insurance policies comes with the following coverages for:

• buildings, including additions under construction, permanently installed machinery and building glass

• business personal property

• leased business personal property used in your business

• property of others left in your care for which you are legally liable

• sales samples

Your business personal property does not stay in one place and neither does your coverage.  A Business Property Insurance policy covers your business personal property while in transit, at trade shows, or temporarily at locations you don’t own or lease.

After a covered loss, your policy may pay for the extra costs of:

• removing debris of covered property from your premises

• cleaning up pollutants from land and water on your premises

• taking inventory and preparing claims statements

• securing appraisals

• recharging fire extinguishers

A property loss can slow down or even stop your operation until repairs are made – and that may mean lost income.  A Business Property Insurance policy can provide you with several business income coverages that can reimburse your loss of income and necessary extra expenses to keep your business operating after a covered loss.

Options to Suit Your Needs

• Ordiance or Law Coverage – provides coverage for the necessary demolition of the undamaged portion of your building and subsequent upgrades to meet current building codes after a covered loss.

• Inflation guard coverage – provides coverage for inflationary increases in your building and business personal property values. The limit of insurance on your policy automatically increases at the annual percentage rate you choose.

• Equipment breakdown coverage– provides coverage for loss resulting from the sudden and accidental breakdown of machinery and equipment used in your business.

• Utility services – provides coverage when a covered loss to a power, communication or water utility interrupts service to your premises, which then causes a covered loss to your building, business personal property or loss of income.

Protect Against Liabilities

We will provide a risks assessment, custom build a Business Property Insurance program that meets your needs, and shop the companies to get the best value for you.   Give us a call, request an email quote, or visit us to get the best insurance protection and services for your business.

Why Choose MJM Insurance™ of Fenton?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance™ of Fenton team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance™ of Fenton have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

MJM Insurance™ of Fenton has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

Insurance for Different Business Types

On the right sidebar of this page, we have links to a number of business insurance resources.  Click on any of the different business types to learn more about the insurance coverage for that type of business.   Please call one of our commercial insurance agents at MJM Insurance™ of Fenton for any assistance.