Every business owner has a need to protect his personal property from theft or direct damage. However, each company has its own unique risks when it comes to protecting their business contents. This could be one's inventory or office items such as computers and other forms of EDP equipment. The asset that needs protection could also be in the form of money or valuable papers. The insurance professionals at the Lanza Insurance Agency take the time to become familiar with your needs so that your policy will respond properly.

It is important to make sure your contents are covered at replacement cost rather than actual cash value. This way you will be able to replace the items at their current value rather than suffering the loss of depreciation. The policy is intended to restore your business to the level you were operating at prior to the loss.

Some other areas of interest that are often overlooked are what can happen to the contents and where does the loss take place? Many business owners are satisfied that they are insured for the proper property levels only to find out that there are exclusions for theft and/or employee dishonesty. Even worse is when the peril is a covered loss, but happens off premises and the proper endorsements to cover the property away from your location were never put on the policy. Transit and Installation Coverage under an inland or ocean marine form will solve this issue. Leave it to us to remind you of the important questions of how and where so that you can concentrate on doing what you know best.