For more information, please contact our commercial insurance specialist:

Carey Storie

Serving the unique needs of
businesses in Cookeville, Monterey, Baxter, Gainsboro, Celina Livingston, Crossville and all of Tennessee

One of the most common types of business insurance, commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or manmade disasters are examples of what is typically covered.

A basic commercial property insurance policy may be all you need, although the
types of coverage can vary between different insurance companies. As an
independent agent, Inman-Storie
Insurance Agency can help you determine the type of insurance policy and
range of coverage that is best for your business. For a full list of coverage
available, or to learn more about this product, contact
us today cagency1976@citlink.net

Tennessee - What you need to
know about commercial property insurance

Building

Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building. Give Inman-Storie Insurance Agency a call today (931) 528-5040 and we’ll help you
determine if you have enough commercial property insurance for your business.

Flood

Most
commercial property policies exclude flood as a covered cause of loss. A
separate policy must be purchased to protect you from resulting damage. Check
your current property insurance policy to be sure you are covered. If you’re
unsure, just ask Inman-Storie Insurance
Agency to review your coverage, and we’ll help you find the best solution.

Business Personal Property

Business
personal property insurance covers property at a specified location for
furniture, fixtures, equipment and inventory. Be aware that most commercial
property policies have very limited coverage for property taken off the
specified location. If you have equipment that is frequently taken off-site to
various locations, it is important that you have an inland marine policy
(equipment or installation floater).

Business Income (Business
Interruption Coverage)

This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event, such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. Inman-Storie Insurance Agency strongly recommends that all businesses acquire this coverage.

Electronic Data Processing
(EDP)

This
coverage is separate property coverage specifically designed to protect your
computer related equipment. Most commercial property policies have limited
coverage for computer networks. EDP broadens the causes of loss to include
things like power surges and in some cases virus attacks.

Based inTennessee, Inman-Storie Insurance Agency understands
the business insurance needs of our customers. The right coverage for you is
unique – call us at (931) 528-5040 or cagency1976@citlink.net today
to find out how to protect your business and your future with the right
insurance.