Property Insurance for Commercial Spaces
FCA is Canada’s Commercial Insurance Expert Since 1919
FCA has been providing Canadian companies with commercial insurance since 1919. We have set the industry standard for turnaround time for both new and existing clients. We pride ourselves in ensuring our clients are receiving the best suite of coverages at a fair price.
Insurance companies need to know the exact physical characteristics of a commercial building in order to accurately rate the property. Your FCA broker will need to know the following to secure appropriate coverage:
- materials the building is made of
- approximate year the building was built
- replacement cost value of the building
- total square footage of the premises
- the building’s mechanical systems
- occupancies of the tenants inside the building
- neighboring exposures
- dates the building was last update or renovated
- property’s crime and fire protection provisions
Commercial Property Floater coverage is needed to protect your equipment regardless of its location.
Similar to property, your FCA broker requires specific information to obtain appropriate coverage including: the year, make, model, value, and description of use.
In the event of a claim, you’ll need to provide your broker with a breakdown of the incident, time and date the damage was discovered. This should also include a description of what peril triggered the damage and the property that was involved in the loss.
These details will be provided to the insurance company and a professional adjuster is assigned to discuss the incident further. As the claim progresses towards a settlement it is important to remember that your FCA broker is with you every step of the way, to advocate on your behalf and answer any questions you have during this difficult time.
FCA has long-standing relationships with its insurance partners to provide clients with fair and expedient resolutions of commercial property claims.
Yes, we understand business owners may be involved in a variety of industries and work to ensure all clients’ exposures can be covered, whatever they may be. Whether you have a standard commercial office building or a large manufacturing facility, FCA will find a solution for your coverage needs.
Paul Smith, is about as full service as it gets. He has helped me insure my past and present properties. I have and will continue to refer him to all my friends and colleagues. His integrity and approach to his clients is very impressive.
FCA covers us for all our business requirements, from equipment to liability, property, builds and everything in-between. Errol Williams is so patient and helpful; I am always confident that we are getting the best possible coverage at a competitive rate. Always the best service!
Jamie and his team have been great to deal with, providing transparent advice and excellent service!