An unoccupied building is especially vulnerable. If your commercial property will be unattended for a period of time, take steps to protect your investment and prevent damage. First and foremost, notify your insurer. Talk to your agent to ensure you have sufficient protection for your commercial building at all times.
Read MoreSlips and falls are the leading cause of accidental injury in the workplace. And we’re entering prime time for these injuries to affect your employees (and the public!), because nearly half of slip and fall injuries occur between December and March. Don’t let winter weather get the best of you. Make your walkways safer with these tips.
Read MoreWinter can dramatically affect a building, from dropping tons of snow on the roof or walkways to freezing pipes and interrupting the power supply. Any of these cold-weather disruptions can degrade your building in multiple ways, including burst pipes, roof trauma, damaged drains and gutters, and power instability.
Read MoreMost people would never consider opening a business without first purchasing property insurance to cover the cost to repair or replace a building or equipment that’s been damaged due to a covered peril. But too many business owners fail to think about how they would keep their business afloat if they were forced to temporarily close.
Read MoreWinter is a busy time of year for all. Injuries from slips and falls peak during winter months, putting your employees out of commission right when you need them most. If you have retail locations, slippery conditions from winter weather can put your customers at risk too.
Read MoreSo if your building is struck by lighting and catches fire - there is direct physical loss to property - and policy will respond replacing what was damaged. But what about your local building code requirements? Does your building meet all the current cores?
Read MoreIllinois Property Insurance and the Importance of Equipment Breakdown Coverage. This video highlights the importance of equipment breakdown coverage.
Read MoreMost standard property insurance policies cover property while it is on or within a specific number of feet of the premises, such as 100 or 1,000. That office laptop is covered while the salesman carries it to the parking lot and drops it on the back seat of his car, but not once he leaves the parking lot.
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