Our commercial property insurance provides coverage for your buildings and contents. Coverages range from specific named-perils policies to broader "special form" policies. We write commercial properties from the coast all the way to Atlanta, GA. We have carriers that offer a wide range of appetites to fit your business's needs.
Having locations on the coast and inland gives PC&L the advantage of bringing some premier carriers to the coastal region that may not have the capacity to deal with an agent that handles solely coastal property. We have commercial carriers that will write commercial property including wind inside the SC Wind and Hail pool zones.
Property insurance provides more than just coverage for the building. Even if you're leasing your commercial location, you need to cover your contents and inventory. This shows on your policy as Business Personal Property. Business Interruption coverage is one that many business owners are not aware of. This coverage actually pays for business expenses while your location is not in operation due to a covered loss. This comes in very handy as many bills will continue to roll in even while you're working to get back up and running again. Our markets can cover losses for all measure of risks – Fire, Theft, Wind/Hail, and also Earthquake.
Commercial property markets are continually changing, so it's never a bad idea to make sure you're getting the best deal. PC&L does that for you by re-marketing our own accounts annually to make sure we're providing the best coverage for the lowest price.