Call Us 408-626-7800 ☰ ˟
Logo
Call Us 408-626-7800
  • Home
  • Our Agency
    • About UsImage of right arrow
      • Our Staff
      • Our Locations
    • Personal ProductsImage of right arrow
      • Auto and Homeowners Insurance
      • Automobile
      • Homeowners
      • Other Personal Lines
      • Recreational Vehicle
      • Additional Insurance Services
    • Commercial ProductsImage of right arrow
      • Coverage for Specific Industries
      • Coverage for Your Business
    • Blog
    • Get a Quote
    • Our Providers
    • Contact Us
  • Products
    • Auto and Homeowners Insurance
    • AutomobileImage of right arrow
      • Auto Liability Coverage - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Comprehensive Auto Coverage - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Auto Collision Coverage - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Uninsured/Underinsured Motorist Coverage - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Diminishing/Vanishing Deductible - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Minor Violation Forgiveness - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Roadside Assistance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Specialty Auto Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • 24-Hour Customer Service - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Towing Services & Coverage - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Rental Reimbursement - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Personal Injury Protection (PIP) - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Medical Payments Coverage - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
    • HomeownersImage of right arrow
      • Property Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Homeowners Liability - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Renters Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Condo Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Mobile Home Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Scheduled Property Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Landlords Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • In-Home Business Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • High Value and High-Risk Homeowners Insurance in Northern California
    • Other Personal InsuranceImage of right arrow
      • Identity Theft Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Personal Umbrella Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Data Backup Services - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
    • Recreational VehicleImage of right arrow
      • Boat/Watercraft Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Motorcycle Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Motorhome Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • ATV Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Snowmobile Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
    • Additional Insurance ServicesImage of right arrow
      • Special Event & Wedding Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Other Services - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Wedding Insurance and Special Event Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Alarm Contractors Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Insurance for Arborists - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Bar Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Box Truck Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Builders Risk Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Car Dealership Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Catering Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Cleaning Business Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Construction Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Consulting Firm Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Contractors Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Specialty Trade Contractors Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Craft Brewery Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Dental Practice Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Educational Facility Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Financial Institution Insurance
      • Food Truck Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Fleet Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Handyman Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Garage Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Healthcare Facility Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Healthcare Practice Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Law Firm Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Life Science Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Limousine Services Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Liquor Liability Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Maintenance Contractors Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Manufacturing Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Marijuana Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Maritime Employers Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Media & Advertising Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Minibus Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Non Profit Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Nursing Home Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Nursing Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Orthotics & Prosthetics Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Personal Trainer Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Pharmacist Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Pool & Spa Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Printers & Publishers Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Real Estate Businesses Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Retail Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • School Bus Contractors Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Scrap Metal Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Security Guards Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Self-Storage Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Septic Contractors Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Specialized Truck Equipment Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Technology Services Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Tractor Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Tow Trucks Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Uber Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Veterinary Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
    • Coverage for Your BusinessImage of right arrow
      • Commercial General Liability - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Workers Compensation - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Commercial Auto Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Business Owners Policy (BOP) - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Small Business Liability Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Commercial Property Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Surety Bonds - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Surety & Fidelity Bonds - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Business Catastrophe Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Commercial Real Estate Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Commercial Umbrella Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Crime Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Equipment Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Errors and Omissions Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Fidelity Bonds - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Marine Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Office Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Product Liability Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Professional Liability Coverage - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Shipping Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Small Business Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Storage Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Technology Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Trailer Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Transportation Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Trucking Insurance and Semi Truck Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Van Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • Inland Marine Insurance - Campbell CA & San Jose CA - Coverage Plus Insurance Agency
      • 0
  • Get a Quote
  • Contact Us
  • Blog
  • Location & Hours
Auto con

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Homeowners Icon

Homeowners

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Recreational Vehicle Icon

Recreational Vehicle

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Insuring Detached Commercial Structures
TUESDAY, FEBRUARY 23, 2021

Insuring Detached Commercial Structures

It is imperative that you obtain as comprehensive a level of commercial property insurance as possible. After all, it is this coverage that will help you repair or replace damaged property following sudden, unexpected incidents. While you of course need to insure your primary business location and the requisite materials inside, you must also insure all structures and on your company’s property.a close up of a sign 

If you are insuring your property using a business owners policy (BOP), then you will be able to receive critical property coverage and other benefits in one place. While the BOP will create mechanisms for you to insure detached structures on your property, you cannot assume that your plan automatically meets your needs. Therefore, be sure to work with your agent to ensure you have optimized coverage. 

BOP Property Insurance 

BOPs provide business owners with the advantage of getting several essential pieces of commercial insurance within one package. They usually offer general liability, business interruption and property insurance. 

If you own the property from which your business operates, then your BOP will usually make ample accommodations to allow you to insure the structures that sit on it. If a covered event like a fire, severe weather or vandalism were to damage the building, then your BOP will help you pay to rebuild. Generally, your property insurance will cover both the primary structure and other features, such as: 

  • Permanently installed interior fixtures and machinery  

  • Permanently installed exterior features  

  • New construction on the property that is not complete  

  • Appliances used to maintain the building 


However, while the primary business structure will be covered by your property insurance, it’s up to you to make sure that all other structures on the property have coverage too. By talking to your agent, you can take the appropriate steps to do so. 

If there are other structures on your property, you might not have to do anything extra to insure all the buildings. Your BOP will often contain other structures coverage to address these risks. However, you must disclose to your insurer that these buildings are present on your property. They will need to know that the additional structures exist because they must accurately measure the risk markers associated with insuring these particular items. 

Extending Your Property Coverage 

Though your BOP will often provide base property insurance for detached building structures, you might need to buy additional coverage in order to fully insure your property. Certain structures are unique and therefore come with unique insurance risks. As a result, you might have to add specialty policy endorsements to your plan in order to optimize your benefits. 

One primary area where you might need additional coverage is when you are insuring outdoor property and signage. These unique items might have relatively low levels of coverage under standard BOP limits. However, their values might necessitate additional coverage. Therefore, by adding additional benefits into your plan, you’ll be able to get the more expansive protection that can work to your advantage. Speak to your agent about how best to get this expanded coverage. 
Posted 4:23 PM

Tags: business, insurance, bop, business, owners, policy, property, coverage
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2021
  • 2020

  • coverage(3)
  • insurance(3)
  • policy(2)
  • business(2)
  • owners(1)
  • property(1)
  • homeowners(1)
  • auto(1)
  • car(1)
  • filing(1)
  • bop(1)
  • claims(1)

View Mobile Version

Contact Us Today!
408-626-7800

Social Social Social

Resources

  • Products
  • Customer Service
  • Payments / Claims
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

750 E McGlincy Lane, Suite 109
Campbell, CA 95008

Phone: 408-626-7800 | Fax: 408-626-7676 | service@covplus.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder