Asset Protection

Property Insurance Coverage

Your business property is the backbone of your operations. At Wright Risk Consultants, we provide commercial property insurance that protects your buildings, equipment, and inventory against damage or loss, ensuring your business stays resilient no matter what.

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Customized Coverage

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Local Expertise

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Reliable Support

Why It Matters

Safeguard Your Business Assets

From fire to theft to natural disasters, unexpected events can put your business at risk. Commercial property insurance provides critical protection for physical assets, ensuring you can recover quickly. With Wright Risk, you gain tailored coverage and a reliable partner to help secure your business’s future.

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Comprehensive Asset Protection

We cover everything from buildings to equipment and inventory, safeguarding your business against damage, theft, and loss. With Wright Risk, your assets are secure, and your business is prepared for the unexpected.

Expert Claims Management

Our claims team offers step-by-step guidance to ensure quick resolutions and minimal disruptions. We handle the complexities so you can focus on getting back to business without unnecessary delays.

Common Questions

Property Insurance FAQs

We understand that commercial property insurance can feel overwhelming. That’s why we’ve answered common questions to help you feel confident in protecting your business assets.

  • What does commercial property insurance cover?

    Commercial property insurance protects physical assets like buildings, furniture, equipment, and inventory from damage or loss caused by fire, theft, vandalism, or natural disasters. It may also include coverage for lost income due to property damage. This insurance ensures that your business can recover quickly, minimizing downtime and financial losses. Wright Risk tailors policies to meet your business’s specific needs for robust asset protection.

  • Is commercial property insurance required by law?

    While it’s not legally mandated, many landlords and lenders require commercial property insurance as part of lease or loan agreements. Even if it’s not required, it’s a vital safeguard to protect your business assets. Without coverage, you could face significant financial losses in the event of damage. Wright Risk ensures your policy meets any contractual requirements while providing the peace of mind to operate confidently.

  • How are premiums determined for commercial property insurance?

    Premiums are based on factors like the location, age, and condition of your property, as well as the type of business you operate. High-risk areas or industries may result in higher premiums. Wright Risk works with you to balance affordability and protection by tailoring coverage to your business’s specific risks, ensuring you get the most value from your investment.

  • What types of property are covered?

    Commercial property insurance typically covers buildings, machinery, inventory, furniture, and fixtures. Some policies may also extend to outdoor signage, landscaping, or valuable documents. Wright Risk helps you identify all physical assets critical to your business operations and includes them in your coverage, so you’re fully protected against unexpected damage or loss.

  • What’s not covered by commercial property insurance?

    Commercial property insurance doesn’t cover employee injuries, liability claims, or professional errors. It also typically excludes damage caused by floods or earthquakes unless added as endorsements. We help you understand these gaps and recommend additional policies, such as general liability or flood insurance, to create a comprehensive protection plan for your business.

  • Can I bundle property insurance with other policies?

    Yes, bundling commercial property insurance with general liability or a business owner’s policy (BOP) can simplify management and reduce costs. Wright Risk creates customized bundles that provide all the coverage you need in one convenient plan, ensuring your business is protected from multiple risks while staying budget-friendly.

  • How do I file a commercial property insurance claim?

    To file a claim, report the incident promptly to our team and provide necessary documentation, like photos or inventory lists. We’ll guide you through the process, liaising with insurers to ensure your claim is resolved quickly and accurately. Our support minimizes downtime and ensures your business gets back on track efficiently.