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Semper Insurance
| Monday | 9:00 AM - 5:00 PM |
| Tuesday | 9:00 AM - 5:00 PM |
| Wednesday | 9:00 AM - 5:00 PM |
| Thursday | 9:00 AM - 5:00 PM |
| Friday | 9:00 AM - 5:00 PM |
Frequently Asked Questions
Coverage varies by policy. While it may include weather-related damages like wind or hail, some natural disasters, such as earthquakes or floods, require additional endorsements or separate policies.
Premiums are determined by the building’s age, condition, location, occupancy rate, and security features such as alarms or sprinkler systems.
While not mandated by law, it is often required by lenders or lease agreements to protect investments and ensure compliance with financial obligations.
Yes, many insurers allow bundling with commercial property insurance or a Business Owner’s Policy (BOP) to provide comprehensive coverage for both liability and property damage.
Lessor’s Risk Insurance does not cover a tenant’s business property, such as office equipment or inventory. Tenants typically purchase business renter’s insurance to protect their belongings.
To ensure adequate coverage, regularly review your policy with your insurance provider, especially when you acquire new equipment or expand your operations. This helps keep your coverage up-to-date and aligned with your business’s evolving needs.
While a maintenance plan is beneficial for preventing equipment issues, it does not provide financial protection for unexpected breakdowns. Equipment Breakdown Insurance complements maintenance plans by covering the costs associated with sudden and accidental failures, ensuring comprehensive protection.
Yes, Equipment Breakdown Insurance often includes coverage for business interruption losses. This means that if your equipment fails and causes a halt in your operations, the policy can help cover lost income during the repair or replacement period.
A warranty typically covers specific parts of equipment for a limited time, focusing on defects or issues arising from manufacturing. In contrast, Equipment Breakdown Insurance provides broader coverage for sudden and accidental failures, including mechanical and electrical breakdowns, regardless of the equipment’s age.
Equipment Breakdown Insurance does not cover general wear and tear, maintenance issues, or pre-existing conditions. For example, damage caused by natural disasters, such as floods or earthquakes, is not covered by this policy. For such incidents, you would need to consider other types of insurance, such as flood insurance or property insurance.
Don’t see your question? Contact us.
