Insurance solutions by Rutledge and associates

Commercial Property

Commercial property insurance protects any named commercial property from such perils as fire, theft and natural disaster. Commercial property insurance is carried by a variety of business industries, including manufacturers, retailers, service-oriented and non-profit organizations. Commercial property insurance can be a major expense for businesses that use equipment worth millions or billions of dollars, such as railroads and manufacturers. This insurance essentially provides the same kind of protection as property insurance for consumers.

Commercial property insurance typically insures:

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

If your business personal property doesn’t stay in one place, and neither does your coverage. We have policies which cover business personal property while in transit, at trade shows or temporarily at locations you don’t own or lease.


We have policies that fit the individual needs of your business including:



Building laws safeguard coverage (ordinance 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.
Data Compromise and Identity Recovery Expense Coverage – provides services to assist you in preventing and responding to a breach of personal identifying information of your customers, clients or employees. You also receive identity management services as an individual business owner, if you become the victim of an identity theft or account takeover.
Crisis Event Coverage - provides expenses you may incur from a crisis event at your premises that threatens people, property, or your ability to resume regular business operations.

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
complying with ordinances or laws when rebuilding or repairing your building