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Home > Blog > Why You Need Commercial Property Insurance Even for Warehouses
TUESDAY, JULY 7, 2020

Why You Need Commercial Property Insurance Even for Warehouses

commercial property insuranceBusiness owners clearly need commercial property insurance for retail stores and other businesses open to the public. However, it's also necessary for warehouses and other private buildings. Property insurance protects against damage to practically any building and its contents. Therefore, few businesses are the exceptions. Without this coverage for a warehouse or other similar structure, costly losses could seriously hurt your company. That's not something you want to encounter. Keep reading to learn more.

High Cost of Replacement

Warehouses are large buildings that require steel frame construction in most cases. They often also require a degree of special engineering. Replacing and repairing these structures can easily cost tens to hundreds of thousands of dollars. Making that kind of investment out of pocket can turn a successful business into a struggling one. It is best to have a backup plan. Proper commercial property insurance protection reimburses you for the replacement or repair cost of the structure. This allows you to focus on other recovery concerns after an emergency.

Risk of Fire

Even when using building materials like metal that offer high fire resistance, there's often a higher risk of issues like fire in a warehouse. Stacking flammable or combustible materials close together to take advantage of the space also increases the risks. Alarms and sprinkler systems are a good idea. They may help lower your premiums, but they're no replacement for commercial property insurance. You never know when the fire might start, and what the cause might be.

Increased Liability Risk

While property insurance doesn't include specific liability coverage (you buy that separately), it's still related to your liability as a warehouse owner. If you store products for other businesses, damage to the building might result in damage to that property. A good combination of liability and property insurance keeps you from paying out of a pocket if weather or other disasters ruin a client's goods. It also ensures you can continue to offer these services well into the future from a secure environment.

Don't wait until your warehouse suffers a disaster to consider commercial property insurance. Get the policy you need today for peace of mind no matter the weather or what you're storing.
Posted 12:24 PM

Tags: commercial property insurance
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