Topic

Property insurance

Insurance terms
Named perils
Named perils coverage is a type of business property insurance that only protects you from hazards and risks explicitly described in your insurance policy.
Insurance terms
Open perils
A commercial property insurance policy that covers open perils protects your business possessions from most causes of loss or damage. However, this option is typically more expensive than a policy that covers named perils.
Insurance terms
Assessed value
Assessed value is an estimation of how much your property is worth. It is determined by your local city hall or a municipal assessor.
Insurance terms
Actual cash value
The actual cash value is how much your business property is worth in its current state. This value is calculated by subtracting the depreciation from the replacement cost.
Insurance terms
Coinsurance
Coinsurance refers to either a property insurance clause that requires clients to purchase adequate coverage or a joint insurance policy provided by multiple insurers.
Property insurance
What office insurance does your small business need?

Buying or renting an office is a big step for a small tech company – so you’ll want to make sure to protect your investment with office insurance. While commercial property insurance pays for damage to your building and belongings, you’ll likely need other policies as well.

Property insurance
Which business insurance policies cover computers and laptops?

Insuring your business's laptops, desktops, and other electronics is a necessity when you work in tech. Learn which policies include computer or laptop insurance.

Property insurance
How do I file a business insurance claim?

Typically, you need to contact your insurance carrier directly when you want to file a commercial insurance claim. But the steps you take may differ based on whether you're filing a property claim or a liability claim.

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