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Commercial Property

Call us at (239) 596-6226 for a quote on your commercial property insurance policy!

Role of Property Insurance

Property insurance can cover the buildings that you own and/or business property and inventory against physical loss or damage.

If you don't own your building, you'll still need contents coverage. In the most policies, property insurance for business contents covers furniture, fixtures, inventory, office equipment and other supplies stored at your facility or off-premises. You may insure those items for replacement cost or for actual cash value (ACV), which pays only for the depreciated value of the property.

Replacement cost policies have higher premiums, however they can help your business recover from a loss faster, since you can replace all of the lost or damaged property with new items. If you lease some of the equipment at your business, the leasing company may require that you insure the property at replacement value.

Insurers are in the unique position of having encyclopedic information about the many different ways your business property could be damaged or destroyed, from fire and flooding to embezzlement. Property is also vulnerable as a result of a variety of other events such as electrical surges, accidental activation of a chemical sprinkler system or a computer virus.
 
Because insurers know so much about what can go wrong, they can provide your business with the insurance coverages your particular type of enterprise requires. Without appropriate insurance, property losses can easily cause the entire enterprise to fail. 
 
The purpose of property insurance for the small business is to provide critical financial assistance in the event of a loss, so that the enterprise can continue to operate with as little disruption as possible.  
 
Property insurance alone is seldom enough, however. It should be but one part of an overall risk management and disaster recovery plan. On average, businesses that devote resources to risk reduction and risk control have fewer insurance claims. Firms with a good record on claims generally have more insurers competing for their business, so that they are able to find coverage more easily and often at a lower price than companies that have more losses. 
 
Contact us to learn more about how we can help with your business insurance needs.
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Our Contact Information 

Olson & DiNunzio Insurance Agency, Inc.
2536 Northbrooke Plaza Dr.
Naples, FL 34119

 Telephone: (239) 596-6226
 Fax: (239) 596-1620
 Email Us

 Hablamos Español

Let us be the one Naples independent insurance agency you turn to for:

These are some of the companies we proudly represent:

  • Allied/Nationwide Insurance
  • Progressive Insurance
  • Travelers Insurance
  • Hartford/AARP Auto
  • Safeco
  • Tower Hill
  • Federated National
  • Bankers Insurance Group
  • Universal Property & Casualty
  • Heritage
  • Citizens
  • AIMGA
  • St. Johns
  • Homeowners Choice
  • Olympus
  • United Property & Casualty
  • American Integrity

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© Olson & DiNunzio Insurance Agency, Inc., 2008
2536 Northbrooke Plaza Drive; Naples, FL 34119
Doing Business in the State of Florida

P: 239-596-6226; F: 239-596-1620; E: info@olsondinunzio.com 

Featuring the cities of Naples, Bonita Springs, Marco Island and Estero Florida. Providing them the highest quality insurance and unbeatable rates.