You’ve done everything right for your business: made sure you had the right coverage, found the right insurance advisors to have your back, and you deliver a quality product or service to your customers. If you’d like to learn how to save money on your monthly commercial property premiums, take a look at our in-depth guide.

What Is Commercial Property and Casualty Liability Insurance?

Commercial property and casualty insurance is a combination of commercial property and commercial liability insurances. For business owners, commercial property and casualty insurance covers any losses or damage to your commercial property as well as integrating protection from liability in the case of accident or death.

Who Needs Commercial Property Insurance?

Any business that employs workers and interacts with customers needs commercial property and casualty insurance. These policies offer critical loss protection for your business, no matter what industry you work in. Anyone who works or does business in your building has the potential to be injured in an accident, so be sure you’re protected.

What Is Covered Under A Commercial Property Policy?

Commercial property and casualty insurance has two-fold coverage: the first layer of protection is all of your commercial assets, including real estate, equipment, machinery, vehicles, and more. The second layer protects your business against liability if an accident on your property resulted in the injury or death of a customer or employee.

How Is Commercial Property Insurance Calculated?

Commercial property premiums are calculated using multiple different factors when analyzing your assets. These include the total insurable value of your commercial property, the structure of the building, what safety equipment you have installed on the premises and your business’ total revenue.

How Do I Get Commercial Insurance?

You will want to be sure that you’re working with a knowledgable insurance advisory team with plenty of experience in commercial insurance and risk management. The team at JAISIN has decades of experience working with small, medium, and large businesses to protect their property and assets from liability. They can help you decide which policies your business will need and how to save money on your premiums.

How to Lower Your Commercial Property and Business Liability Insurance In Five Easy Steps:

    1. Update your building’s mechanical, electrical, and plumbing (MEP) systems.
    2. Add or upgrade the security on your property.
    3. Have your deductible raised by your insurance provider.
    4. Upgrade your property’s safety systems (fire alarms, smoke detectors, etc).
    5. Require all tenants to carry their own insurance.


There are lots of ways you can lower your premiums on your commercial property policy. That money can be invested back into your business and used to continue growing your enterprise. But just as important as saving money is being sure that you have the right commercial property policy; the wrong one could mean expensive lawsuits in case of an accident on your property.

The insurance advisors at JAISIN can help guide you in the right direction so your commercial property policy coverage is enough for your business and your situation. They customize policies that work for you and your business, not the other way around.

As a business themselves, JAISIN understands what is at stake if your insurance coverage doesn’t do its job. They know that your business isn’t just a job, it’s a calling. Your business is part of your community, and community is the backbone of JAISIN Insurance Solutions.

Click or call JAISIN Insurance Solutions today to talk with one of our commercial property insurance advisors today.

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