Commercial facilities are places frequented by a certain number of people, in addition to being practiced in them business activities of various kinds, which may involve risks of greater or lesser consideration, among which is at least the attraction that for friends of others It implies the ease of obtaining money or valuables easily, a reason that justifies the need to take out insurance for business premises .
In a sense , trade insurance provides important peace of mind to
those responsible for business in the face of a series of classic potential
risks such as theft and robbery that
affect not only the amounts of cash that thieves can find in the box, but also
also to customers who may be in the establishment when the crime occurs.
But the most common
thing is that after forcing the security closures, they cause damage in the
breakage of the closures or that they directly break the windows, doors or shop windows when the
establishments are closed to steal the merchandise, causing triple damage to
the business, where in addition to having to repair all the damages, it will be
necessary to replace all the stolen items, facing a new cost.
Cost to which
possible economic losses will have to be added , if the situation paralyzes
the activity, making it impossible for the business to function while the most
relevant incidents are solved, with less burdensome consequences if
adequate insurance is available for commercial premises .
In addition to these
types of situations, which are the ones that commercial premises owners try to
cover first, there are many other risks that must necessarily be insured so that
in the event of an unwanted claim , they do not represent a real ruin.
For this reason it is
very important to make a correct choice of coverage when calculating an insurance to be contracted, in such a way that the
most adequate protection of both the continent and the content and the employer's civil liability
against third parties is really
achieved .
Depending on the
activity, a series of guarantees covered by the policy must be chosen , depending on: type of operation
dedicated to services or the sale of merchandise and its greater or lesser
value, whether it is perishable merchandise products or not, whether store
potentially more dangerous items, morphology of the facilities, type of
clients, location of the premises, security systems that it has, with or
without employees, among the long list of particular characteristics that must
be taken into account before hiring insurance for premises
commercial .
Among the
possibilities offered by insurance companies, are insurance for commercial
premises at street
level , or within large
commercial areas, in addition to insurance for offices and
offices located inside
neighboring buildings or business development in its entirety.
No one better than the
owner of a certain type of business can know the risks that their establishment
may suffer, in order to find the cheapest commercial insurance best suited to their specific needs, in
such a way that after the recognition of essential coverage, they can Get
tailored insurance with the help of a professional pension advisor .
Main
insurance coverage and guarantees for commercial establishments
Among
the parts of sinister most common addition to
theft, commercial premises , are other incidents such
as fire damage , the water
damage and damage from vandalism with
glass breakage of windows and other damage to surfaces facades of shops.
It
is essential, as we have commented, to establish priorities when correctly
choosing the concepts that must be protected within insurance
for commercial premises , with an assessment that
can really cover the losses derived from a claim, avoiding the concept of underinsurance, in
which Sufficient capital would not be guaranteed to cover situations that may
be decisive in the continuity of the business, or unnecessarily overinsuring
assets that may be subject to loss.
Therefore,
it is necessary to contract the guaranteed capital that can fully cover the
main insured assets or items, in such a way that in the event of a claim, compensation is
received in an amount sufficient to cover the damage suffered, protecting
under the insurance coverage to
first risk other less easily valuable items.
In
this way, in a certain type of business premises, part of the business
insurance premium may be more important than guaranteeing the
recovery of information in documents and computer files in the event of a
claim, if the activity that generates the income requires the information of
Essentially, as can be the case of agencies or law firms, while in a boutique,
a part of the insurance premiums will include damage to
the value of the goods among the insured guarantees .
In insurance
for commercial premises guarantees are established
to cover both the container and the content.
With
respect to the insured continent , a guaranteed
capital to cover the reconstruction value of the building and
facilities of the commercial premises, while in the insured content an economic
value must be established on all the furniture, furnishings and deposited
merchandise.
Among the basic
coverage of commercial premises insurance are:
The electrical damage and water damage , flood, theft, fire, explosion, vandalism , or damage caused by other natural
phenomena, to which must be added other particular coverages depending on the
nature of the activity, such as coverages claims that cause inactivity and loss
of income.
When contracting insurance for commercial
premises , it is not
necessary to include coverage for the continent in the event that the
facilities are leased to another owner, who is who in principle must have insurance to guarantee their property, although it
may be It is interesting to have coverage to respond to the property in the event of a claim whose responsibility is due to the owner
or company that has it for rent.
As important or more
than correctly insuring the container and content of the business, is having a Civil Liability Insurance that protects against claims from third
parties in the development of professional activity, or responding to possible
problems with the merchandise sold.
Within the Civil Liability Insurance , it is also necessary to cover the
liability that can be claimed by third parties that may suffer any type of
accident within the business facilities to which the property or owner of the
operation must respond.
On the other hand, it
is equally important to have insurance to cover the employer's liability for
damages to employees within the business and whose responsibility corresponds
to the company.
A very interesting
coverage offered by some insurance companies is the one that is intended to alleviate
the problems of stoppage of the activity that occurred as a result of an
accident, in which in addition to producing loss of profits , it is necessary to continue to pay a
series of unavoidable fixed expenses , such as supplier invoices or employee
salaries, and whose compensation can be an important help to move forward.
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