Innovation - Lines of Business
 

Businessowners Policy	Commercial Automobile	Commercial General Liability	Commercial Package
Crime	Cyber Liability	Directors and Officers Liability	Employment Practice Liability
Marine: Inland	Marine: Ocean	Professional Liability	Property
Umbrella Liability	Workers Compensation
Property: Property Insurance protects the physical assets of a business from covered causes of loss.  Coverage is usually purchased on an “all risk” or “open perils” basis but it can be limited to perils such as fire, vandalism, smoke, windstorm and lightning amongst others.  Physical assets of a business include buildings, personal property such as inventory and furniture & equipment as well as computers and cash. Besides the physical loss to Property your business should also consider some of the following when protecting against Property damage:
Reduction in value   Extra cost to repair or replace   Cost to rebuild to new code   Cost of debris removal   Business Interruption (loss of income)   Extra cost to operate during repair
Loss of use value in betterments and improvements.