Commercial Real Estate Insurance

Commercial real estate insurance protects you from losses caused by damage to property assets. Most businesses are vulnerable to the same threats as every other building—fire, flooding, vandalism, or even being struck by a vehicle that goes out of control. Many of these problems are something that cannot be reasonably prevented, making them eligible for coverage that can help repair the building or allow your company to move to a new location.

Commercial Real Estate Insurance Features

As the owner of a business, you know how difficult it is to run a smooth operation. The last thing you need is a disaster that damages your workplace so badly that you can no longer continue operating. Commercial real estate insurance makes the crisis something you can handle. Before you start shopping, though, here are a few things to keep in mind:

  • The first thing you should do is take stock of the company's physical assets. This includes your building, any paper records, inventory, office equipment, signs located outside, and anything else that qualifies as a physical asset.
  • You may not need to insure everything the business owns. If you decide something is not worth insuring, removing it from your policy could lower your monthly premiums and make it easier to insure what truly matters.
  • Most policies cover either the replacement cost (RC) or the actual cash value (ACV) of the insured items. Policies that include replacement cost are more expensive, but allow for full replacement without calculating any depreciation. Actual cash value policies consider the loss of value over time, and factor this difference in to any claims on the policy.

If you're not sure which policy options make the most sense for your company, ask one of our agents for more information and they'll help you make a decision.

Our Locations

*Main Office

597 Old Mount Holly Road
Goose Creek, SC 29445
Main office: 843-310-2359
Fax: 843-764-3556

Autrey Insurance Services

106 Noble St.
Ridge Spring, SC 29129
Main office: 803-960-0266

Bates Insurance Group dba Paul Foster Insurance | Mt Pleasant

918 Lansing Dr., Unit B
Mount Pleasant, SC 29464
Main office: 843-884-8951

Bates Insurance Group Moncks Corner

204 E Main St
Moncks Corner, SC 29461
Main office: 843-761-4830

Eddie Hall Insurance Services

211 Hillcrest Dr
Laurens, SC 29360
Main office: 843-883-4441

Gaillard Insurance Agency LLC

208 A Cedar St
St. George, SC 29477
Main office: 843-883-4441

Laney Brothers Insurance

311 McDonald Place
Bishopville, SC 29010
Main office: 803-428-8687

Raymond L Godin Jr. Agency

111 Foxbank Plantation Blvd, Ste C
Moncks Corner, SC 29461
Main office: 843-310-2359

Terri Smith Insurance Services

1317 Jeffries Blvd
Walterboro, SC 29488
Main office: 843-782-4949

Our Providers

Testimonials

A great company with a great agents! Thanks Raddy for helping me save alotta money on my car insurance! I give you all 5 STARS! You guys are the BEST!

Carole MsBee Britt
Very pleased with every aspect of finding new home owners insurance through Bates Insurance.

Kenneth Mahaffey