Pegram & Bryant Insurance
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  • Pegram & Bryant Insurance Agency
  • Personal Insurance
    • Auto Insurance
    • DL 123 Insurance
    • Home Insurance
    • Condo Insurance
    • Renters Insurance
    • Mobile Home Insurance
    • Farm Insurance
    • Vacant Property Insurance
    • Motorcycle Insurance
    • RV Insurance
    • Watercraft Insurance
    • Flood Insurance
    • Personal Liability Insurance
    • Life Insurance
    • ATV Insurance
    • Boat Insurance
  • Business Insurance
    • Storage Tank Liability Insurance
    • Commercial Property Insurance
    • Commercial Umbrella Insurance
    • General Liability Insurance
    • Builders Risk Insurance
    • Landlord Insurance
    • Artisan Insurance
    • Barber Shop Insurance
    • Hair Salon Insurance
    • Restaurant Insurance
    • Special Event Insurance
    • Surety Bonds
  • Commercial Vehicle Insurance
    • Dump Truck Insurance
    • Tractor Trailer Insurance
    • Motor Truck Cargo Insurance
    • Trailer Interchange Insurance
    • Tow Truck Insurance
    • Waste Haulers Insurance
    • Bobtail Insurance
  • Contact Us
    • Make Payment
    • Report Claim
    • Privacy Policy
    • Accessibility Statement

Low Cost Commercial Property Insurance in Asheville and all of North Carolina

Commercial Property Insurance to fit your budget & needs

​What is Commercial Property Insurance?
Commercial property insurance helps protect a business by paying for all or part of costs when a covered loss occurs. In this way, property insurance can help keep businesses open if losses occur, whether you own, rent, or lease the business building.
Businesses can purchase commercial property insurance for basic causes of loss, for instance a fire insurance policy, but the majority of businesses choose a more comprehensive plan, known as a Businessowners Policy or BOP.
A BOP provides coverage for damage to the business’ buildings, including installed fixtures, machines, and equipment; and outdoor fixtures. A BOP also covers business contents such as your inventory, machinery, and computers. Items owned by others but that are in your care, custody, and control are also covered to the extent the business is legally liable for that property.
There are, however, some causes of loss that are not covered by commercial property insurance or a BOP, but that can be added by endorsement. Some of these include employee dishonesty, steam boiler breakdown, flood, earthquake, and crime. Take note, also, that not all of your business property is covered with a commercial property policy. For instance, you might need additional coverage for commercial autos, outdoor fences, and signs not attached to your building.
Our agency can review your business needs with you to make sure you have the necessary coverage for your unique business needs. And remember to discuss your disaster recovery plans with our agent to ensure you have coverage for lost income and extra expenses that result when recovering from a covered loss.
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