Business Property Insurance

Whether you rent a small office suite or own a small building, we've got options for your business's needs. Like the name suggests, property coverage is for the things your business owns. However, that's not all. It can help protect much more, like your business's income. Property coverage is often packaged into a Business Owners Policy. Many insurance companies have pre-packaged options with different endorsements and sub-limits based on the type of business. We can help find the policy with the right coverage for your business: 

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  • Coverage for buildings described in the policy, their permanently installed machinery/equipment, and fixtures

Business Personal Property

  • Can cover property in or on your building(s), and within 100 feet of the premises. It can also apply away from the premises, usually at a lower amount, in non-owned locations. It can also extend to property of others in your care, custody, or control or property you lease.

Tenants Improvements & Betterments

  • Can cover fixtures, alterations, installations, or additions made to a building you don't own

​​Business Income

  • Can provide coverage for loss of income during the 'period of restoration' as a result of property damaged by a covered cause of loss, usually with a short waiting period before coverage begins.

Extra Expense

  • Coverage for additional expenses during the period of restoration that you wouldn't have incurred if there weren't covered property damage.

 Civil Authority

  • Can cover loss of income and extra expenses due to actions of a civil authority that prohibits access to the premises due to property damage away from the premise

Here are a few of the key coverage provisions

Other common coverages and popular endorsements include: Accounts Receivable, Employee Dishonesty (e.g. theft), Equipment Breakdown, Exterior Glass Coverage for tenants,  Money & Securities, Outdoor Property and Outdoor Signs


6003 Veterans Parkway

Suite 216

Columbus, GA 31909


Tel: 706-660-5969

Fax: 706-660-5979


Monday - Friday 

9:00 AM - 5:00 PM


Saturday & After Hours

By Appointment

Chastain & Welch Agency LLC - Columbus Georgia

Note that all coverage summaries are generic, based on general industry standards, and informational only. They in no way create, extend, reduce, or otherwise modify coverage provided by any insurance policy. Please refer to your policy documents and any endorsements to determine coverage limits, conditions, exclusions and any other applicable provisions.

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