fails to secure the premises by fencing, gates, or the addition of central monitored alarm systems may face application rejection due to unacceptable exposure perils. Risks of vandalism, theft, or malicious mischief will automatically disqualify a person from low cost commercial property insurance. Also, failure to maintain “clean” grounds by trimming trees and removing debris and unused tools will likely result in higher premiums or even possible disqualification of coverage. These may seem like exclusively aesthetic issues, but debris and haphazardly strewn materials can create all sorts of safety risks that can affect a property’s risk rating.
None of these things are “unfixable” or that expensive to correct when approached systematically, and with expert guidance from an agent who knows what to correct and to what degree it will help lower commercial property insurance rates. An agent like George White who has worked in underwriting knows how to transform a property quickly and relatively cost effectively into real estate that even the most particular carriers will indemnify with dependable coverage options. Taking the time to invest in proactive security and maintenance and properly document these changes offers the Texas business owner the best chance of obtaining low cost commercial property insurance.
Without this expertise, vital, determining factors that could affect the cost of premiums can be overlooked. Or, a business owner may
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