Commercial Property Insurance
Guardian Insurance Agency
Fire burns. Water rises. Thieves take. Accidents happen.
When they do, your work stops.
Your cash stops.
It doesn’t have to.
What this coverage does
We pay to repair or replace covered property.
Add Business Income and Extra Expense to keep you moving while the lights are out.
What’s covered
- The building.
- Tenant improvements.
- Machines, tools, fixtures, furniture, and tech.
- Inventory—your goods and gear.
- Property of others in your care.
- Signs and some outdoor items (when eligible).
What drives the price
- The bones of the building—age, construction, sprinklers.
- Where it stands—fire, flood, crime.
- What you do there—office, retail, plant.
- Limits, deductibles, and endorsements.
- Safeguards—alarms, cameras, guards.
- Your claims history.
Popular Coverage Enhancements
Ordinance or Law
The extra cost to meet new codes.
Debris removal
Clear the ground so you can rebuild.
Property during repairs
Storms don’t wait.
Equipment breakdown
When machines fail.
Off‑premises and in‑transit
Gear on the road.
Peak season increases
When stock swells.
Guard your assets. Guard your income.
Guardian Insurance Agency — Proper protection—prior to peril.
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123-456-7890
abc123@xyz
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