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.
Named perils coverage is a type of business property insurance that only protects you from hazards and risks explicitly described in your insurance policy.
Coinsurance refers to either a property insurance clause that requires clients to purchase adequate coverage or a joint insurance policy provided by multiple insurers.
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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