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May Q&A: Available now
This month, the Making Sense team answers client questions related to trade policy developments and their impacts on key economic issues.
Small business property insurance helps protect your owned or rented building, plus the inventory and equipment you use to operate your business. Depending on your policy, it can help cover business property losses in the event of fire, theft and other disasters.
Get flexible coverage
Our experienced team can help create an insurance plan that meets your coverage and budget needs, whether you own or lease.
Manage total risk
We'll provide internal loss control resources and claims advocacy to help you mitigate and manage small business risks.
Partner with the right insurers
For over a century, we've built strong relationships with our customers to meet their needs and align them with the appropriate insurer partnerships.
Safeguard physical investments like your building and inventory from loss, theft or damage with small business property insurance.
Whether or not you own the building where you do business, you can get business property insurance coverage for fixtures, furniture, office equipment and other supplies that help run your business.
Help cover losses such as valuable documents and signs in the event of theft or other types of small business property damage.
Small business property insurance protects the building in which you conduct business and covers losses of furniture, inventory and revenue.
Depending on the scope of the policy, small business property insurance can protect an owned or rented commercial property—as well as physical assets such as inventory, supplies and furniture—from damage, fire, vandalism and theft.
Business property insurance cost varies based on factors like location, industry and the types of coverage needed.
Yes. The IRS usually considers a small business's property insurance premium as a deductible business expense. The cost of the insurance policy can be deducted from the business owner's taxable income.
Although property insurance isn't always legally mandated for small businesses, it's recommended because it can safeguard against potential financial losses caused by property damage and business interruptions.
William Connolly III
SVP, Senior Commercial Risk Advisor
Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.
Insurance products offered in California are offered by First Citizens Bank & Trust Co., CA Agency License #OH380006.
Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.
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