Most every company owns business property, which may include the building in which you run your operations. Property insurance protects the physical assets your business owns – such as computers, office equipment, buildings, furniture, fixtures, and other property. Every business should have a comprehensive property insurance portfolio to respond to the many risks associated with property ownership.
We hope to help you indemnify a proactive plan in the event of a fire, theft, storm, or some other kind of damage that might involve your business insurance policy. There are a number of actions you can do to help get the best possible settlement from the insurance company.
Maintain vital records
Have photos of all buildings, major equipment, etc
Blueprints - keep complete sets
Property inventories should be maintained on all items over a certain amount
Financial records - keep three to five years
Appoint key individuals as communicators
Have emergency response plan
Secondary locations identified
During The Loss
Notify the insurer
Protect the property
Track claim costs
Separate budget line items
Keep records of all internal and external costs
Make temporary repairs
Communicate with insurer as to the use of any consultants
Meet regularly with the agent and Insurer
List and address key issues and concerns
Note any changes from original design
Will you rebuild or not?
What might cause delays?
If you are not currently a Leap / Carpenter / Kemps customer, we invite you to talk to one of your many neighbors who are, to see if it might be time for you to change the way that you buy insurance. Let us provide you with a free analysis of your insurance coverage to help you determine if you have the right policies at the right cost. We are here to help!
LCK Insurance Agency is one of California's most prominent independent insurance agencies. They offer commercial business insurance, employee benefits, life & health insurance, and personal insurance.
Need more Specific Advice?
Tell us about your exposures, and we'll write an article about how we would mitigate your risk.
Leap | Carpenter | Kemps Insurance Agency provides Commercial Business Insurance, Employee Benefits, Life and Health Insurance, and Personal Insurance to all of California, including Merced, Atwater, Los Banos, Mariposa, Madera, Fresno, Modesto, Turlock, and Stockton.
CA License Number 0646081 | Licensed to do business in California, Arizona, Hawaii, Idaho, Montana, Nevada, North Carolina, Oklahoma, Oregon, Virginia, West Virginia and Washington.