Loudoun Mutual is pleased to offer insurance for your commercial property and premises liability only exposures. We target Lessor's Risks and exposures that are difficult to place. We are able to insure your commercial property risk while you insure the Commercial General Liability exposure with a company of your choice. Our rates are reasonable and may allow you to avoid placement in an Excess market.
Our Commercial Property program insures a wide variety of risks, but some of the more common types of risks we insure include:
We will also consider unique risks that may be difficult to insure, some examples include:
We provide coverage on a replacement cost or actual cash value basis, for your building and contents. Coverage can be provided for Basic Perils or an Open Perils basis, depending on the risk. Loss of Earnings and Business Interruption Coverage is also an option, along with Water/Sewer Backup Coverage.
In addition, Equipment Breakdown coverage is available. This coverage protects covered property for physical damage caused by mechanical breakdown, artificial electrical damage and steam explosions. In addition, coverage is included for microelectronic components when the physical damage is not always detectable, known as Electronic Circuitry Impairment. Please review our Commercial Property Equipment Breakdown brochure for more specifics.
There is a Loudoun Mutual agent in your area ready to help you become a policyholder, contact one today