Owning a business is a very rewarding thing and knowing what you can claim on your commercial policy is sure to make a big difference in the overall way that you file a claim. For those in the Raleigh, NC area, the agents with Young Insurance Associates Inc can help you to find the right commercial policy for your needs.
Commercial policies do cover a great deal but for the most part, you are not going to be able to claim personal possessions on a commercial policy. You can claim some personal items like those that are used in the business and that are in the building in terms of the contents but you cannot claim those items that are not on the premises or that are not used directly to run the business. A good example might be instruments or money that you have. These are not going to qualify as items that are part of a commercial policy.
When you do have a commercial policy you can cover things like the furniture in the building, the inventory, displays, and even computers that are used for the daily function of the business. You would not for instance be able to claim a personal item that you had at home that was damaged if it was not used for the business and not expressly listed on the policy. With any commercial policy, it is always going to be best to go through and name contents and each item so you can be sure you are getting a policy that is going to work for you and that is also going to be somewhat comprehensive.
For those in the Raleigh, NC area, the agents with Young Insurance Associates Inc can help you get the policy that works best for you every time.