A fire, storm or break-in can damage the building, equipment and inventory your business runs on. Pelorus helps you arrange property coverage with limits that reflect what you own today.
Your operations, considered together.The asset picture
A building is only the beginning.
Buildings, equipment and inventory each need values that reflect the business today.
The structure
Buildings and improvements
What makes it run
Equipment, machinery and fixtures
What moves through it
Inventory, stock and supplies
Complete the property picture with flood, earthquake and coastal wind protection. Include peak seasonal stock values in your review.
Under the policy
What the coverage can include.
- 01Buildings you own, and improvements to space you lease
- 02Equipment, machinery, furniture and fixtures
- 03Inventory, stock and supplies
- 04Damage from covered causes such as fire, wind, hail and theft
- 05Lost business income and extra expense, when added
Who it’s for
How it connects to the work you do.
Apartment and building owners
The building is often their largest asset, and mortgage lenders typically require proof of coverage.
Restaurants and bars
A kitchen fire can destroy equipment, fixtures and stock, and closing for repairs cuts off income.
Wholesale distributors
Warehouse inventory can be worth more than the building, and its value changes through the year.
Golf and country clubs
Clubhouses, maintenance buildings, carts and course equipment are costly to repair or replace after a storm or fire.
Explore the industry perspectiveMarinas and boatyards
Docks, lifts and waterfront buildings need a property schedule that reflects the full waterfront operation.
Explore the industry perspectiveBefore we talk
The questions behind the policy.
What is business income coverage?
It can replace lost income and pay continuing expenses, such as payroll and rent, while you can't operate after covered physical damage. We help you select an income limit and recovery period around the time your business would need to reopen.
How can I protect revenue tied to the weather?
Pair property insurance for physical damage with weather protection for revenue and costs tied to rain, temperature or snow. Parametric insurance uses an agreed weather measurement to determine a payment.
Your next step
Make it fit the business you run.
Bring us the question. We’ll help you understand the exposure and the options available.
Prefer email? Contact our teamUseful for a first conversation
- Your current policies or contract terms
- The locations, dates or assets involved
- What has changed since your last review
You don’t need everything ready to get in touch.