Commercial Property Insurance

Get the Security and Protection You Need.

Keep Your Business Property Secure & Protected from the Unexpected Events.

As a business owner, you want to ensure your property is secure and protected against the unforeseen. At American Safeguard Insurance, we understand that your business means a lot to you, and it’s important that you have the best coverage available.

American Safeguard Insurance provides commercial property insurance to give you the security and peace of mind you need. Our commercial property coverage is tailored to suit your business’s particular needs, and our customer service is second to none. With 20 years of experience, you can trust us to help you select the right policy and price, so you can protect your business.

American Safeguard Insurance building exterior with logo on brick siding and Arkansas State and American flag flying.

What Is Commercial Property Insurance?

American Safeguard Insurance provides comprehensive commercial property insurance coverage tailored to your business’s specific needs. Our policy includes coverage for damage to your business property due to fire, smoke, theft, vandalism, and other unforeseen events, as well as coverage for business interruption costs due to the inability to use your property.

When You Choose Us for Property Insurance, You Get:

Actual Cash Value

Actual Cash Value (ACV) is commonly defined as your property's ‘fair market value.’ With ACV coverage, you'll get paid the replacement costs of your property minus depreciation.

Replacement Costs

Replacement Cost insures the property for the full cost to replace it to the same state it was before the loss. With Replacement Cost, partial losses will be paid in full, and total losses will result in an entirely new building being built or the property being replaced with a new version.

Business Interruption Coverage

Business Interruption Insurance covers the loss of income a business sustains due to a slowdown or suspension of its business operations. Without this coverage, your business would have no income while under reconstruction. This could cause your business to shut down for good.

We'd Love To Share Our Knowledge & Experience

At American Safeguard Insurance, obtaining commercial and property insurance policies is easy and stress-free.

It all starts with a conversation with one of our specialists to discuss your coverage needs. We will provide a policy package tailored to your individual needs, helping you make the most informed decision. Each business is different, so visiting with your agent is important to make sure your business is protected the way it is supposed to be.

Any questions or concerns about your property insurance policy can be addressed to our team of insurance specialists, who are available to help whenever you need them.

Frequently Asked Questions

The main difference between actual cash value and replacement cost is that ACV takes depreciation into account, while replacement cost does not. In general, replacement cost coverage is more expensive than ACV coverage but provides greater protection in case of loss or damage. Make sure to discuss the true value of your building with your agent, and have them help you decide the best option for your situation!

The costs of commercial property insurance vary based on a variety of factors, such as the size of the property, the type of coverage you need, the amount of coverage you’re looking for, and the area you live in. Our team of professionals can review your needs and help you select a policy that fits your budget.

Optional Coverage includes but is not limited to mechanical breakdown, outdoor signs, outdoor property, spoilage coverage, valuable papers and records, and many more that will add value to your policy. Additionally, for those living in areas that require additional coverage for flooding, our policy can be extended to include the National Flood Insurance Program (NFIP).

Again, have an agent go over all coverage to explain to you how each coverage would help your business in a disaster.

Bundle Your Commercial Property Insurance

General Liability Insurance

Whether you are a small business owner or a multinational corporation, when it comes to your insurance coverage, General Liability should always be at the top of the list.
Learn More

Auto Insurance

Whether your company owns one car or a fleet of vehicles, a Commercial Auto Insurance policy is important to make sure that your company can still perform its duties in the event of a claim.
Learn More

Business Owners Insurance

Business Owner's Insurance combines both Property and Liability Coverage into one package protecting you from things like injury, property damage, or loss of income.
Learn More
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