The Dynes Insurance Group, Inc. - Commercial Lines : Property

The Dynes Insurance Group, Inc. is an independent agency committed to providing you quality Personal and Commercial insurance, including Homeowners, Automobile, Life and Personal Liability coverages. With Dynes, you're getting big-company protection with the small agency attention you deserve.

The Dynes Insurance Group, Inc.
6102 Vrooman Rd.
Painesville, OH 44077
Phone: 440.357.8200
Toll Free: 800.260.1224
Fax: 440.357.8824

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	Homeowners Insurance Competitively-priced and broadly-based Homeowners, Renters, and Condo Owners coverages.
	Auto Insurance Auto discounts of up to 50%, 5% per year claims-free discount to a maximum of 20%.
	Commercial Lines Dynes can provide a business insurance program to meet your company's specific needs.
	Professional Liability Coverage for attorneys, doctors, dentists, and virtually all other professions.
	Life insurance Life insurance can provide economic assistance to your family in a time of great need.

Property Coverage

Insuring business property is a tricky task that merits professional input from Dynes Insurance.

Property insurance can make you whole in the event you sustain a loss to any business property, be it a truck, store fixtures, inventory, raw materials, and so on.

Commercial property owners, both those operating a business on their property and those leasing property to another entity, can purchase policies that protect the building and associated structures.

A property owner's policy, however, will not protect tenants from loss. Business owners who lease their property may buy policies that protect the building's contents, such as machinery, furniture and stored or displayed merchandise.

Property insurance may be purchased on the basis of the property's actual value (the replacement cost minus depreciation), its replacement value (the cost of replacing an item without deducting for depreciation), or on an agreed-upon amount (commonly used for art objects and other unique items).

You should take a complete inventory of all your business property, determine its value and decide what's worth insuring. Make sure the items you want to cover are provided for in the basic policy; if not, buy more coverage.

Named-peril policies cover certain losses resulting only from those perils that the policy names; all-risk policies offer coverage for all perils except those specifically named in the policy. An all-risk policy is usually sufficient for the average small business, but all businesses and their insurance needs are different.

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