Capital Insurance Group: Getting Better Property Coverage for Your Business

Capital Insurance Group is well positioned to provide you with the property insurance your business requires – whether you operate a small Main-Street store, a large construction company or a technology firm with clients across the country. From basic risks to the more complex, our Certified Insurance Counselors and risk managers are experienced in providing the coverage features, terms and limits needed to protect your property in the event of a loss. We will review your existing coinsurance clauses, deductibles and any exclusions to see how responsive your property insurance is. We will also assess your property exposures and look at the cost to replace your structure and business personal property in the event of a loss so you are properly insured.

A Customized Policy

Depending on your operational exposures, your property insurance program can be designed as an all-risk policy with several key coverages:

  • Equipment Breakdown
  • Underground Property
  • Foundations
  • Debris Removal & Increased Cost of Construction
  • Content & Improvement Betterments
  • Valuable Papers and Records
  • Personal Effects of Employees
  • Off Premises Utility Failure
  • Pollutant Clean-up and Removal
  • Electronic Equipment & Signs

In addition, part of your property insurance program should include business interruption insurance. With business interruption insurance, it’s important to determine the amount needed to continue to operate and pay expenses in the event a covered loss forces you to close temporarily. We will also discuss your need for flood insurance as well as what type of disaster planning and business continuity plan you have in place should a catastrophic loss occur.

With Capital, you can be assured our relationships with leading national insurance companies allow us to negotiate solid coverage terms and pricing on your behalf.

We’re your trusted partner.

Our 35-year history of providing superior services and professionalism has established us as a leading agency in Southeast Michigan. Our “Crain’s Detroit Business” listing of “top agencies” is testimony to our commitment to you. We also give back to the communities we serve, contributing 1% of our revenue to a number of local charities. Capital Insurance Group has the experience, expertise and passion to help protect you against the exposures you face individually and professionally. We provide a broad portfolio of personal, business, and employee benefits solutions and would like the opportunity to show you how we can make difference in the way you see insurance. Give us a call at (248) 333-2500 to discuss your specific needs.