The success of your business is often reflected in where you operate. Whether your wholesale company has acquired a second warehouse or you've expanded your beauty salon with additional stations, protecting your commercial property from unexpected events is crucial. At Sargent Insurance Agency, we understand the challenges faced by small business owners in Arkansas and are here to help you navigate your insurance options to find the coverage you need.

Commercial property insurance is needed for any business, whether you own your building, lease it, or even work from home. This insurance protects your building, its contents, and exterior fixtures, such as fences or outdoor signs. Core coverages include protection against fire, explosions, burst pipes, storms, theft, and vandalism. However, it’s important to note that earthquakes and floods are typically excluded unless specifically added to your policy.

Beyond basic coverage, there are various additional commercial property insurance options available to further protect your business in Arkansas:

Boiler and Machinery Insurance: Covers the accidental breakdown of boilers, machinery, and other equipment.

Debris Removal Insurance: Covers the cost of clearing debris after a disaster, such as a fire or a windstorm.

Builder’s Risk Insurance: Protects buildings under construction.

Glass Protection: Covers storefront and plate glass windows.

Inland Marine Insurance: Protects property in transit and other people’s property on your premises.

Business Interruption Insurance: Covers lost revenue and expenses due to property damage or loss.

Ordinance or Law Insurance: Pays for the costs of demolishing and rebuilding in compliance with current laws.

Tenant’s Insurance: Required for commercial lease agreements to cover alterations made to rented spaces.

Crime Insurance: Covers property crimes, including theft and burglary.

Fidelity Bonds: Compensates for losses caused by an employee’s theft of money or property.

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.