Protection for Your Commercial Property

Cincinnati's commercial property policy comes loaded with coverages. Our standard policy covers:

• your buildings, including additions under construction
• your personal property
• leased personal property used in your business
• property of others left in your care
• sales samples

Your personal property doesn’t stay in one place, and neither does your coverage. Cincinnati's policy covers your personal property while in transit, at trade shows, or temporarily at locations you don’t own or lease.

After a covered loss, your policy may pay for the extra costs of:

• removing debris
• cleaning up pollutants
• taking inventory
• securing appraisals
• recharging fire extinguishers

If your business is a large operation (high values, multiple locations or business personal property that frequently moves between those locations), we have a product designed specifically for you. Cincinnati's Commercial Output Policy combines commercial property coverages (your buildings and business personal property) with inland marine coverage (your computers, tools, valuable papers and fine arts). Combining both kinds of property into the same form simplifies determining the value of lost property and the amount you can recover after a loss, reducing the chances of coverage gaps. A total blanket limit of insurance, which you determine, applies to all locations where you conduct operations.

A property loss can slow down or even stop your operation until repairs are made - and that may mean lost income. We provide several business income coverages that will reimburse your loss of income and necessary extra expenses you incur to keep your business operating.

Options to Suit Your Needs

• Building Laws Safeguard Coverage (Ordinance or Law Coverage) - provides coverage for the necessary demolition of the undamaged portion of your building and subsequent upgrades to meet current building codes.
• Inflation Guard Coverage - builds in a safeguard against inflationary increases in the value of your buildings and personal property. The limit of insurance on your policy automatically increases at the annual percentage rate you choose.
• Equipment Breakdown Coverage - extends your property policy to cover loss to real and personal property from the sudden and accidental breakdown of machinery and equipment used in your business.
• Utility Services - provides insurance against a covered loss to a power, communication or water utility, interrupting service to your premises and causing a covered loss to your building, personal property or loss of income.
• CinciPlus® Commercial Property XC® Endorsement - provides increased coverage that protects you from a variety of exposures - and at a much lower price than if you purchased each coverage separately.
• CinciPlus® Commercial Property XC+® Endorsement - provides the same benefits as the Property XC, expanding coverage even more.

Contact an Agent
Coverage availability varies by state. Underwriting requirements apply. This is not a policy. To obtain a quote or learn more about the value of Cincinnati's commercial property insurance program and reliable claims service, please find your local independent agency today.