Comprehensive Commercial Property Insurance in Kalispell, MT
Why Your Business Needs Commercial Property Insurance
Running a business in Kalispell, MT comes with plenty of challenges, but protecting your property shouldn’t be one of them. Commercial Property Insurance ensures that your building, equipment, and inventory are protected against unforeseen events like fires, storms, or theft. Whether you run a small retail store or manage a large office complex, Cogswell Insurance Agency has the coverage to fit your needs.
Key Coverage Areas
Here’s what commercial property insurance typically covers:
Fire Damage
Fires can happen without warning. Ensure your property and equipment are covered for repairs and replacements.
Storm Damage
Severe weather can cause costly damage to your property. Protect your business from hurricanes, tornadoes, and more.
Theft & Vandalism
If your business experiences theft or vandalism, this insurance helps cover your losses.
Tailored Add-Ons for Your Policy
No two businesses are the same, which is why we offer additional coverage options to ensure your policy fits your exact needs:
- Business Interruption Insurance: Helps replace lost income if your business is forced to close temporarily.
- Equipment Breakdown Insurance: Covers the cost of repairs or replacements if your equipment fails unexpectedly.
- Flood Insurance: Add this coverage if your business is in a flood-prone area to protect against flood-related damages.
Call us at 406-761-5000 to discuss the right add-ons for your business.
Most Common Commercial Property Insurance Claims
Here’s a breakdown of the most frequent claims businesses file under commercial property insurance:
| Type of Claim |
Percentage of Claims |
Average Payout |
| Fire Damage |
30% |
$50,000 |
| Storm Damage |
25% |
$30,000 |
| Theft |
20% |
$15,000 |
| Vandalism |
10% |
$5,000 |
| Equipment Breakdown |
15% |
$20,000 |
Let Us Protect Your Business
Don’t wait for disaster to strike. Protect your business property with comprehensive insurance from Cogswell Insurance Agency. Call us at 406-761-5000 or fill out our
online quote form to get started.
