570-392-9969

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.

Molyneaux Insurance Agency

204 N Front St

Sunbury, PA 17801

Main office: 570-392-9969
Fax: 570-286-7367

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Our Providers

Testimonials

I love how you have helped save me and my clients money on our home owners and car insurance! Thanks for all you do! Its nice to know that there's an insurance agent on our side! I hope we can do much more business in the future!
Laura S.
I had been with the same insurance company since I started driving. I always just assumed that because I was a loyal customer and had a clean driving record that i was getting the best rate possible and was not looking to switch companies. I have known Bradley for many years so when I heard that he had started 'Molyneaux Insurance' I decided to inquire about prices believing that the quote I would be given would be higher than what i was currently paying. To my surprise, it was not! I had learned that through all my years of service with my insurance provider I was over paying...ALOT!!! Bradley took the time to drive to my home and sit down with me and go over every detail to make sure I understood the policy and still had the best coverage. Without hesitation I switched and currently save $2000 a year for the same coverage!!! I didn't have to worry about making any uncomfortable phone calls to cancel my old provider either...Molyneaux Insurance does it all! Bradley even made a follow up call to make sure I received my new cards and that my old provider had received the cancellation paperwork. I recommend Molyneaux Insurance to everyone!!
Alicia M.