Many businesses fail to re-open after a major loss to their building or personal property. Whether you own or rent your commercial property, you need the proper insurance protection to keep your business running.
For Property Owners
Does your insurance policy use the correct valuation of your commercial property? The replacement cost of your building is not the same as the market value nor the assessed tax valuation. We use sophisticated software to calculate the cost to rebuild your building after a covered loss. Our insurance companies offer a variety of deductible and co-insurance options which help us ensure that you get the most value for your money.
For Real Estate Investors
Managing the insurance program for multiple properties is complex and time consuming. D&O works with many large real estate investment firms to design comprehensive, yet cost effective, insurance programs. Depending on the size of your portfolio, alternative risk financing solutions such as a tax-efficient captive might be an option.
Even though you don't own the building you're in doesn't mean you don't need property insurance. A Commercial Property Policy can provide coverage for your business personal property such as inventory, office equipment, and computers in addition to the loss of income associated with the loss of use of your premises.