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Commercial Property Insurance Services

Do You Need Personal or Business Insurance?

What type of insurance do you need?

IQ Risk offers a wide array of innovative and progressive property insurers who are known throughout the world for their reliability, financial strength, and capacity. We offer a family of property coverages designed to protect your business´ physical assets and the income they produce from loss due to direct physical damage. In the event of a loss through the right property protection, our broad capabilities will help restore your business operations as quickly and efficiently as possible, regardless of the size of your business.

Equipment Breakdown Coverage

IQ Risk offers Equipment Breakdown coverage -- also known as Boiler & Machinery insurance – to fill in the gaps in most standard property policies by providing protection against the mechanical breakdown of boilers, heating/refrigeration systems and mechanical equipment. Many of the carriers that offer this important coverage also provide loss control experts who can provide loss control inspections at no additional cost. Equipment Breakdown coverage is available on a package or monoline basis to easily integrate into your insurance portfolio.

Building and Contents Coverage

Building and Contents coverage protects a business in the event of damage to or destruction of buildings and contents from fire and other causes of loss.

Commercial property coverage protects inventory, buildings and their contents from fire, lightning, vandalism and many other causes of loss. An “all risk” coverage endorsement is available which provides protection from a much broader range of perils.

Business Interruption/Loss of Income Coverage

Business Interruption coverage covers the costs associated with the interruption to the business that may occur when there is a property loss and helps your business get up and running again.

Business Loss of Income coverage helps compensate for the money a business would have earned if a fire or other covered peril forces a business to close its doors or otherwise interrupts your business operations. Loss of Income coverage is also available to protect against income loss caused by damage to specialized or difficult to replace equipment.

Commercial Crime

Commercial Crime insurance protects businesses from the loss of money, securities or inventory resulting from risks such as theft, embezzlement, forgery or alteration of checks, robbery, counterfeit currency and documents, disappearance and destruction of money, securities and documents, employee dishonesty, safe burglary, computer fraud, wire transfer, audit and investigation expense.

Crime Bonds are also available to protect businesses against property loss resulting from white-collar crime.