Commercial Property

Role of Property Insurance

Insurers are in the unique position of having encyclopedic information about the many different ways your business property could be damaged or destroyed, from fire and flooding to embezzlement. Property is also vulnerable as a result of a variety of other events such as electrical surges, accidental activation of a chemical sprinkler system or a computer virus.
 
Because insurers know so much about what can go wrong, they can provide your business with the insurance coverages your particular type of enterprise requires. Without appropriate insurance, property losses can easily cause the entire enterprise to fail. 
 
The purpose of property insurance for the small business is to provide critical financial assistance in the event of a loss, so that the enterprise can continue to operate with as little disruption as possible.  
 
Property insurance alone is seldom enough, however. It should be but one part of an overall risk management and disaster recovery plan. On average, businesses that devote resources to risk reduction and risk control have fewer insurance claims. Firms with a good record on claims generally have more insurers competing for their business, so that they are able to find coverage more easily and often at a lower price than companies that have more losses. 
 
Contact us to learn more about how we can help with your business insurance needs.


 

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“When I first approached Hadley to get business insurance I was, honestly, a little scared. She helped make me feel better about it and helped me understand what I needed and why I needed it. My favorite part was when she told me what I didn't need. This told me that she really IS looking out for my best interest and that it was about her integrity and not about her making money. Although she wants to make money, it wasn't going to be at my expense due to my lack of knowledge and my ignorance about business insurance products. I trust her with all of my insurance needs.”
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“I have been working with H. Linwood for over 6 years now and they have continuously saved my company thousands of dollars in insurance premiums. I was able to take that savings and increase my marketing and now my company is doing better than ever.  I am so thankful that you are on my ‘team’ of support.” 
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“I was referred to H. Linwood a few years ago when I started my business.  They helped me understand what my company needed to protect itself and explained the process to me.  They made the whole experience painless, easy and affordable.  I now refer them to all of my business associates and they have thanked me!” 
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