How TO PROTECT YOUR PROPERTY
An alliance of leaders working together for small businesses.
Fire. Theft. Water damage. These are just a few of the incidents that can do damage to your property, one of your business's most valuable assets. Unless property and equipment are maintained properly and insured adequately, they can be at significant risk for loss and damage.
Some tips:
- Review your property insurance program with your insurance representative to make sure you understand what is and is not covered.
- If your policy has "blanket" coverage for a number of different properties, make sure that all properties that should be insured are actually listed on the property policy. Even with blanket coverage, property not listed on the policy may not be covered.
- Be sure that your property is insured to replacement value. Improvements or changes in building costs should be reflected in your insurance coverage. So periodically review and update your property values and adjust the coverage accordingly.
USAA is acting as an agent through its insurance agency affiliate, USAA General Agency, Inc. or USAA Insurance Agency, Inc. The USAA Business Insurance Program offered through the agency affiliate is available only to persons eligible for USAA membership. The Hartford Fire Insurance Company and its affiliates provide the insurance for this program. All insurance applications are subject to underwriting to determine acceptability. Product availability and coverage may vary by state. Insurance descriptions are general in nature. Please refer to your policy for full disclosure of coverages, limitations and conditions.
This document outlines in general terms the coverages that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages described in this document may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.