Business Property

Business Property Insurance

Protection for Your Commercial Property

Most standard Business Property Insurance policies comes with the following coverages for:

  • buildings, including additions under construction, permanently installed machinery and building glass
  • business personal property
  • leased business personal property used in your business
  • property of others left in your care for which you are legally liable
  • sales samples

Your business personal property does not stay in one place and neither does your coverage.  A Business Property Insurance policy covers your business personal property while in transit, at trade shows, or temporarily at locations you don’t own or lease.

After a covered loss, your policy may pay for the extra costs of:

  • removing debris of covered property from your premises
  • cleaning up pollutants from land and water on your premises
  • taking inventory and preparing claims statements
  • securing appraisals
  • recharging fire extinguishers

A property loss can slow down or even stop your operation until repairs are made – and that may mean lost income. A Business Property Insurance policy can provide you with several business income coverages that can reimburse your loss of income and necessary extra expenses to keep your business operating after a covered loss.

Options to Suit Your Needs

  • Ordinance or Law Coverage – provides coverage for the necessary demolition of the undamaged portion of your building and subsequent upgrades to meet current building codes after a covered loss.
  • Inflation guard coverage – provides coverage for inflationary increases in your building and business personal property values. The limit of insurance on your policy automatically increases at the annual percentage rate you choose.
  • Equipment breakdown coverage– provides coverage for loss resulting from the sudden and accidental breakdown of machinery and equipment used in your business.
  • Utility services – provides coverage when a covered loss to a power, communication or water utility interrupts service to your premises, which then causes a covered loss to your building, business personal property or loss of income.

Protect Against Liabilities

We will provide a risks assessment, custom build a Business Property Insurance program that meets your needs, and shop the companies to get the best value for you.   Give us a call, request an email quote, or visit us to get the best insurance protection and services for your business.

Why Everlife?

As an independent agency, we work for you! We are not like most insurance agencies, where they can only offer you one brand of insurance. At Everlife Insurance Agency we are not bound to any one company, we shop our top-rated carriers and choose the best plan that is tailored to your needs, that gives you the very best value. We take the time to understand every client’s needs and work hard to provide the best insurance solutions for the best value.

 

Our agency combines many years of experience with top-rated insurance companies and products to provide personalized service and value to each of our clients. We provide you access to every type of insurance that you may need. Everlife Insurance Agency is your neighborhood agency that will help you understand the many options and select products that are tailored to your needs. We want to make sure that we don’t leave you underinsured.

 

Our Promise to You

  • We are dedicated to making sure you receive extraordinary customer service.
  • We will treat you like a person, not a number.
  • Whenever you need us, we are there. We give our clients our personal cell phone numbers to reach us when you need us most.
  • We are committed to continuing education through certifications and training courses so that we can expand our knowledge and network across the state of Virginia.

 

Our Core Principles

  • Dedication – We are dedicated to educating you about the insurance coverage options that you can choose the option that best fits your needs.
  • Integrity – We are very transparent. We want to make sure that you understand the many options and coverages that are available to you.
  • Value – We choose the very best quality coverage tailored to fit your needs.
  • Inquiry – We pride ourselves on asking great questions and the more information we collect from you, the better advice and service we can give to you. 

 

Everlife Insurance Agency is a full-service insurance agency providing Commercial Insurance and Personal Insurance services to Virginia. Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Business Property Insurance you need.

Insurance for Different Business Types

On the right sidebar of this page, we have include links to a number of business insurance resources.  Click on any of the different business types to learn more about the insurance coverages for that type of business. Please call one of our commercial insurance agents at Everlife Insurance Agency for any assistance.

 

Carina Thomas

About 

Carina Thomas is a native of Nottoway, Virginia. She hard working business women who passionately gives back and serves the local community. She is the President/CEO of Everlife Insurance Agency Inc. Carina has been helping and assisting families in the insurance and financial industry for the last 10 years. She has her Bachelors in Business Administration and Accounting. She was top 3 at Florida Blue for her health sales and customer service expertise. Her passion is to help further others to their full potential through Insurance and Financial Services.

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