949.438.5207

Commercial Real Estate Insurance

Commercial real estate insurance protects you from losses caused by damage to property assets. Most businesses are vulnerable to the same threats as every other building—fire, flooding, vandalism, or even being struck by a vehicle that goes out of control. Many of these problems are something that cannot be reasonably prevented, making them eligible for coverage that can help repair the building or allow your company to move to a new location.

Commercial Real Estate Insurance Features

As the owner of a business, you know how difficult it is to run a smooth operation. The last thing you need is a disaster that damages your workplace so badly that you can no longer continue operating. Commercial real estate insurance makes the crisis something you can handle. Before you start shopping, though, here are a few things to keep in mind:

  • The first thing you should do is take stock of the company's physical assets. This includes your building, any paper records, inventory, office equipment, signs located outside, and anything else that qualifies as a physical asset.
  • You may not need to insure everything the business owns. If you decide something is not worth insuring, removing it from your policy could lower your monthly premiums and make it easier to insure what truly matters.
  • Most policies cover either the replacement cost (RC) or the actual cash value (ACV) of the insured items. Policies that include replacement cost are more expensive, but allow for full replacement without calculating any depreciation. Actual cash value policies consider the loss of value over time, and factor this difference in to any claims on the policy.

If you're not sure which policy options make the most sense for your company, ask one of our agents for more information and they'll help you make a decision.

General Insurance Services

635 Camino De Los Mares, Suite 214

San Clemente, CA 92673

Main office: 949-438-5207
Toll free: 800-244-9878
Fax: 949-248-1716

Office Hours:

Mon: 8:30 AM - 5:30 PM
Tues: 8:30 AM - 5:30 PM
Wed: 8:30 AM - 5:30 PM
Thurs: 8:30 AM - 5:30 PM
Fri: 8:30 AM - 5:30 PM
Sat: By Appointment
Sun: Closed

Our Providers

Testimonials

My experience with General Insurance Services has been terrific. They are professional, knowledgeable, quick to respond. I have always felt like they have had my best interest in mind. I highly recommend them.
Kim W
Wonderful, product smart people who answer the phone promptly and know how to listen then find what you are looking for. Very stable. When they have been around for this long, you know they will be there when you need to call.
Gregg M.
As always, you have been there for my wife and me for several years and this is to let you know I do appreciate the personal excellent service you provide to us
Ron C.
I love the service our family receives from General Insurance!
Debbie S.
great company, always helpful!
Harvey D.
I agree, we have been with them for 23 years.
Luci A.
I just wanted to let you know how pleased I am with your excellent service and competitive pricing!
Pamela R.
I have worked with Kathy for about 19 years now. Whatever has been required over the years, she finds the answer. Plus she always remembers me by name right off the bat. Can't say enough good about the service. Highly recommend them.
Sarah C.
I am moving to Vegas and am bummed that Mercury is not there. Donna, I really wish we could stay with you, you have been awesome!
Sue W.
Hi Kathy ... Thank you so much for all your help! You are so wonderful to work with!
Victoria S.
General Insurance Services is a very professional insurance agency that provides information and details on Insurance programs. They are very professional, informative and have a reputation for quick response. They have assisted me in finding the right insurance plans for health, auto, home and business. They have made the subject of insurance very easy for me and I highly recommend this Insurance Agency.
Amanda K.
Just renewed my auto policy again with General Insurance Services, as well as my Health insurance policy for my family and myself. I love the fact that I can call their office anytime and can speak to a human being willing to help me with any questions I have. Super friendly. Always willing to find the best policy at the best price for me. LOVE recommending them to my friends and family.
Jared W.