Commercial Property Insurance in Petaluma and Sonoma County, CA

Your business is a powerhouse of activity. To set your company up for success, you have to keep your doors open. After all, it’s your duty to assist customers and offer services, while also providing employees with jobs. That is why it’s important to have the right insurance to cover your business from day one.  

It’s important to operate your business as safely as possible. However, accidents can still happen at any time. The last thing you want as a business owner is to be out of commission and have the wrong combination of policies for your needs.  

One of the most essential plans to carry is commercial property insurance, which protects your physical assets, and at Don Ramatici Insurance we are here to help you get it. 

What is Commercial Property Insurance?  

Commercial property insurance is a business insurance benefit that will help you bounce back from any challenging hazard that might suddenly cause damage to buildings and other company-owned property. 

A policy for small to medium-sized enterprises can insure a variety of commercial assets, including: 

  • All office equipment including computers, phone systems and furniture (whether owned or leased)  
  • Accounting records and other important company documents  
  • Inventory  
  • The building your business is housed in (if you own it)  
  • Manufacturing or processing equipment  
  • Exterior items such as fences, signs and satellite dishes 

If you get your coverage through Don Ramatici Insurance, you’ll receive customized property benefits that will make certain you don’t suffer unduly because of an unexpected accident. We offer multiple forms of coverage to suit all shapes and sizes of clients in in Petaluma County and Sonoma County and surrounding communities. 

Additional Business Protection 

Policies that you may need alongside your property coverage include: 

  • Commercial general liability insurance: Coverage protects you in case of at-fault accidents that cause property damage or bodily injuries for non-employees. 
  • Builder’s risk insurance: Protects materials or equipment from damage or loss sustained during construction or remodeling. 
  • Equipment breakdown coverage: Keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss. 

To find out more about combining coverages, contact Don Ramatici Insurance today. 

What is the Cost of Commercial Property Insurance? 

Various factors will influence the cost of your property insurance. The most important will be the overall value of your business assets.  

Other factors that might influence coverage needs and costs will include: 

  • Location: Are you in an area more prone to storms or other natural disasters? Is your building in a city or town with excellent fire protection, or are you in a rural area with limited fire protection? 
  • Construction: When was your building constructed? Was it constructed using fire-resistant materials? Does the building have new or upgraded electrical wiring? What about plumbing and HVAC? 
  • Occupancy: Are you in your own stand-alone building or do you share a building with multiple tenants? What type of industry are you in? An office building carries less risk than a restaurant. 
  • Security features: How close is the nearest fire station? Is a fire hydrant located close to your building? Do you have a fire alarm and sprinkler system? Does your business have a security system? 

Find the Proper Policy for Your Business 

By working with Don Ramatici Insurance, you’ll get custom commercial property insurance that will provide the reassurance you need to know that your business is protected from anything. Be it a minor accident or a major financial loss, we’ll make sure that your workplace always remains protected. You’ll be able to get to work, rather than worrying whether you are truly safe and secure. 

Don Ramatici Insurance, Inc. logo