Central Insurance Companies - Commercial Excess Liability

Commercial Property Insurance

Ask your Central agent about the Premier, Premier Plus
and BOP Plus coverage forms --
very broad coverage -- very reasonably priced! Central offers discounts for new buildings, good loss experience
and for above-average management practices.

Commercial property insurance pays the owner of property for its loss or for the loss of its income-producing ability if the loss results from a covered cause of loss.

The property insured is specifically described in the policy, normally consisting of listed buildings and/or the business contents of those buildings. Several types of property are typically insured under other types ("lines") of insurance. For example, money is under CRIME insurance, autos via AUTO insurance and boats with INLAND MARINE insurance.

Commercial property may be insured for a broad list of NAMED "causes of loss;" e.g. fire, lightning, explosion, wind, hail, etc. A more popular option is to insure commercial property for ALL causes of loss except those that are EXCLUDED in the policy.

The price of property insurance is heavily dependent upon the type of OCCUPANCY, type of CONSTRUCTION of the building and the public fire PROTECTION provided. Other pricing factors may include the territory, private fire protection (extinguishers, sprinklers, etc.), housekeeping and surroundings.

The Central Insurance Companies have been writing commercial property insurance since 1876. Check with a Central agent near you to find out more about the many types of commercial property insurance.

The policy coverages described above are in the most general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact a Central Agent.

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