Does Commercial Insurance Cover Theft?

When running a business there is always going to be some level of theft, be it the casual shoplifting from a store or a full scale break in. There are ways that you can protect your business however and commercial insurance is one of them. Commercial insurance covers a wide range of things that many policy holders may not even be aware of. For those that live in the Miami Beach, FL area, the agents with Assure-Us can help you find the right policy to cover any eventuality.

Commercial insurance is first and foremost in place to protect the actual, physical business. This means the storefront or warehouse that is insured. It also helps to cover any costs association with lawsuits that may be leveled against you and it can also help pay for medical bills if an employee or customer is injured on your property. On top of all that, commercial insurance also covers theft and the replacement of items that are stolen.

The first thing you need to do when dealing with theft is to get your inventory list so that you can pinpoint what has been taken. In order for theft claims to be paid out you must have a detailed inventory list so that you can prove just what was in the store and what was stolen. You also need to have some sort of proof. Things like surveillance videos are great.

Commercial policies are created to help protect the business and the business owner and to prevent any major issue that would cause the business to shut down or cause a considerable slowing in the running of the business. If you live in the Miami Beach, FL area, the agents with Assure-Us can help you tailor the perfect commercial policy for you.