Property insurance may be the most familiar insurance product to the general public, but it can be quite complex and troublesome if not done right. Property exposures vary depending on the nature of the use and occupancy, as well as appropriate protection and risk management. High-risk property exposures like chemical manufacturers require careful analysis and the right insurer with the right coverage form. Calculation of the appropriate limit for an insurance coverage such as debris removal may seem like a minor detail, but may prove to be monumental when your building burns to the ground and you are short $500,000 to have the debris removed.
Property insurance encompasses the usual aspects of the exposure, such as buildings, equipment, and inventory, but also includes consequential coverage such as business interruption and extra expense. Further, property insurance is a very customizable line of coverage with many different forms and endorsements that can effectively address coverage gaps.
Thomas Gregory Associates is an insurance agency that strategically places property insurance for clients with the most difficult of exposures. We take the time to determine your complete exposure to property loss and provide the appropriate options with which to address them. To use an old phrase, we have seen it all, which translates into experience that our clients value from us.