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Home > Blog > What Is Fire Legal Coverage for Businesses?
FRIDAY, OCTOBER 21, 2016

What Is Fire Legal Coverage for Businesses?

image of house on fireAs a business owner that operates a company out of a rented or leased space, it’s important to protect your rights in all regards. That includes protecting yourself from costly damage from fires. Fire legal coverage for businesses is one type of business insurance that can be easily overlooked, but tends to be a very valuable form of liability insurance for companies that operate in a leased space. If you have not done so yet, work with your business insurance provider to learn more about the risks you face with this type of insurance.

What Does It Cover?

This type of business liability insurance protects you in situations where you are responsible for the fire damage that occurs in the rented or leased property. If you are operating your business within a leased space, for example, and a fire breaks out due to a mechanical failure within your equipment, the business is damaged, but so is the building it is in. This type of insurance helps to protect you from the costs associated with those losses. However, in order for this type of coverage to apply, it must first be determined that you are legally responsible for the fire.

When Does It Apply?

This type of commercial industry is commonly used for commercial or industrial real estate space as well as any type of rented equipment in which the owner rents it out for the business. It can apply to other types of property including residential property and space in some cases. It can apply to garages and other non-standard buildings as well.

With this insurance, businesses can feel a bit more protected from these risks. Generally, fire legal coverage is a type of rider for a standard business insurance policy including BOPs. However, the amount of cover needed depends on the space as well as the overall risks involved in operating the business. In most situations, you’ll want to work closely with your business insurance agent to choose a coverage level that fits your company properly and minimizes the risks you face operating your company in a building that you do not own. Fires can happen anywhere and for nearly any reason, making this a very important investment for any leased space.

We’re here to support your business endeavors. Call Allen Harmon Insurance at (269) 441-5156 for more information on Battle Creek business insurance.
Posted 6:39 PM

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