Customized protection for your commercial properties and buildings
At Lawley, it is our mission to guide you and your business through the increasingly complex world of insurance. When you partner with us, you get a team of professionals who will provide continuous strategic planning and service, proactively adapting solutions to meet your ever changing needs. As a commercial property owner, you are faced with a wide variety of challenges from protecting your building and property to your personal property like tools, equipment, inventory and furniture. Each property is unique and we’ll work together with you to help keep you protected.
Types of property that you may need to insure:
Buildings and other structures – leased or owned
Furniture, equipment and supplies
Inventory
Money and securities
Records of accounts receivable
Leasehold improvements and betterments made to rented premises
Mechanical breakdown
Electronic data processing equipment
Valued documents, books and papers
Mobile property – such as construction equipment
Cargo and property in transit
Satellite dishes
Signs, fences and other outdoor property not directly attached to building
Intellectual property
Business contingency for suppliers, customers, etc.
Loss of business income
Extra expenses as result of loss
We are not only well-versed in insurance, but possess in-depth knowledge of the issues facing commercial property owners. More importantly, we take the time to learn every aspect of your particular property and its vulnerabilities. Based upon our fact finding, we can develop a highly effective program that provides the best coverage and risk management services for you.
Coverage Basics Plans are generally defined by events leading to loss and can vary from one policy to the next
Damage from Fire or Lightning
Cost of Removing Property to Protect it from Further Damage
Coverage for Extended Perils
Consider protecting against specific events beyond basic coverage
Floods
Windstorms
Hail
Earthquakes
Acts of Terrorism
Explosions
Riots
Smoke
Civil Commotions
Vehicles that Damage Property
Vandalism
Malicious Mischief
Take Inventory
Take complete inventory of all business property to determine how much you need to insure – this ensures that you will have adequate coverage to continue business operations in the event of a covered loss.
Specific Coverage | Used on most commercial properties and the property is insured for a named risk
Blanket Coverage | Groups together coverage for multiple buildings and property within them if they are of similar nature and function
Property Management Professional Liability | Protects property managers from claims of negligence, misrepresentation, inaccurate advice, violation of good faith and fair dealing
Vacant Property Insurance | Protects against liabilities in the event that someone is injured in unoccupied buildings
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