Commercial Property Insurance
SWG Commercial Property Insurance
SWG PROPERTY – Commercial Property Insurance is designed to cover hard-to-place property accounts. We can accommodate most realty-type risks, from stand-alone rentals and vacant dwellings to large commercial risks, with an in-house capacity of up to $7,000,000.
Coverage Highlights
- Broad form or named perils
- Replacement cost
- ACV
- Dependent on individual risk, age, construction, occupancy and town grade
Other Coverages Include
- Business interruption, rental income, 18/24 month indemnity
- Flood, quake, sewer backup
- Crime – including employee dishonesty & broad form money & securities
- Mechanical breakdown
Packages Extension
- Personal property of officers and employees
- Growing plants, trees, shrubs or flowers in the open; Limited to $1,000 per plant
- Accounts receivable
- Stock spoilage
- Building by-laws
- Inflation protection
- Exhibition coverage
- Automatic fire suppression system recharge expense
- Brands and labels
- Fire fighting expenses
- New acquired locations (30 days), building, equipment and stock (contents)
- Debris removal
- Peak season increase
- Contents off premises in the custody of sales representatives
- Land and water pollution clean up expense (annual aggregate)
- Building damage by theft
- Extra expense
- Valuable papers
- Off premises services interruption
- Electronic data processing equipment and media
- Systems breakdown coverage
- Fine arts
- Installation floater
- Professional fees
- Exterior building glass
- Signs
- Master key
Liability
Most realty-type risks are written on a “Premises” type form, but full CGLs including tenant’s legal liability are available.
We Cover
Most realty-type risks are written on a “Premises” type form, but full CGLs including tenant’s legal liability are available.
- Apartment houses (with/out commercial occupancies)
- Campgrounds
- Food vendors
- Hotels/Motels
- Rooming houses
- Rented dwellings
- Retail stores
- Strip plazas
- Student housing
- Vacant property
Bolded items are combined programs for specialty industries and professions.