Businesses across Columbia, SC and the surrounding Midlands need commercial insurance that helps reduce risk, fits the budget, and protects important business assets. Adams Eaddy & Associates has worked with Columbia businesses since 1980, helping local companies review insurance options for property, liability, and other business risks.
While every business has different needs, many companies require two key types of insurance: commercial property insurance and commercial liability insurance. Our local, independent agents can take time to understand your business, discuss available options, and help you compare policies for your company's property, operations, and risk profile.
If you are searching for commercial property insurance, business property insurance, or commercial insurance in Columbia, SC, Adams Eaddy & Associates can help you start the quote process.
Commercial property insurance is an important part of a business insurance plan. It can help protect your building, business personal property, computers, furniture, equipment, inventory, documents, machinery, and other physical assets from certain causes of loss, such as fire, wind, theft, or vandalism.
Some policies may also include options for business income, equipment breakdown, boilers, machinery, and other property-related risks. If your business transports goods, stores equipment off-site, or moves property between locations, you may also need inland marine, goods-in-transit, or another separate policy.
Commercial property insurance can help financially protect the physical assets your company relies on every day. Depending on the policy, this may include your building, business personal property, inventory, physical assets, and other items used to operate your business. Business property risks may come from fire, theft, vandalism, wind, lightning, storms, equipment, damage, and other events listed in the policy. Commercial property insurance may apply to:
Adams Eaddy & Associates can help Columbia-area businesses review the property they own, lease, rent, store, transport, or use in daily operations.
Many businesses that own, rent, or lease space should consider commercial property insurance. Even if your business does not own the building, you may still have furniture, equipment, inventory, computers, tools, signage, improvements, or other property that could be expensive to repair or replace after a loss. Commercial property insurance may be important for:
Some landlords, lenders, lease agreements, and business contracts may also require proof of commercial property insurance. If your company leases office, retail, warehouse, restaurant, or industrial space, Adams Eaddy & Associates can help you review the insurance requirements in your lease and compare available policy options.
Commercial property insurance does not apply to every kind of loss. It is important to understand what is included, what is excluded, and what may require a separate policy. Commercial property insurance may NOT apply to:
Depending on your business, you may need other policies such as flood insurance, general liability insurance, works' compensation, commercial auto insurance, and more.
Floods are a common example. Standard commercial property policies generally do not include flood-related damage so a separate commercial flood insurance policy may be needed for certain properties in Columbia, SC and surrounding areas.
For businesses in Columbia, SC, commercial property needs can vary based on location, building type, industry, inventory, equipment, and day-to-day operations. Adams Eaddy & Associates can help you review your property risks and compare property insurance options for your business.
We have enjoyed doing business with Adams Eaddy & Associates since August of 2007. Every experience has been positive with all our questions and concerns responded to in a timely manner. All the employees at Adams Eaddy we have dealt with have been professional and courteous at all times. We look forward to continued business with Adams Eaddy & Associates.
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