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Property
Your building, equipment, and inventory are essential to your business’s success. Commercial Property Insurance protects those physical assets from unexpected events like fire, theft, vandalism, or certain weather-related losses.
For business owners in Cape Coral and Fort Myers, where hurricanes and severe weather are a real concern, Total Insurance Group, LLC understands the importance of strong, comprehensive property coverage. We’ll help you evaluate your risk and secure protection that covers your building, furniture, computers, and other business contents, whether you own or lease your space.
Our team works with top-rated carriers to design a policy that fits your budget while providing the peace of mind you need to keep your business running, no matter what comes your way.
Frequently Asked Questions
What types of property are covered?
Buildings, office furniture, inventory, tools, and most equipment. You can also insure outdoor signs, fences, and landscaping.
Does it cover hurricane or flood damage in Florida?
Standard property policies may cover some wind damage, but flood insurance is usually separate. Our agents can help you determine what’s included and whether a separate flood policy is needed.
What’s the difference between replacement cost and actual cash value?
Replacement cost pays to rebuild or replace damaged property at today’s prices, while actual cash value factors in depreciation. Replacement cost offers more complete protection.