Type of Coverage:

Insuring Commercial Property through GMG Insurance

At GMG Insurance Laguna, we’re in the business of getting your insurance protection right. We’re committed to do so for our clients throughout Orange County, and we’d like an opportunity to show you how we can benefit you. We will review your insurance program to determine if it adequately addresses your operation’s exposures – everything from your liability exposures and your property risks. When it comes to your property we’ll evaluate the coverage amounts on your building and business personal property (inventory, furniture, equipment, etc.), your deductibles and coinsurance values and how the insurance is applied.

We’ll also evaluate what the cost would be to replace your business should a loss occur, and make sure the building is insured for what it’s worth. We’ll look at whether your property insurance includes adequate debris removal, increased cost of construction, content and improvement and better amounts.

Other Property Coverage

Our policies cover buildings your company owns and their contents. Covered structures can include offices, garages, storage units, spaces you rent out, residential buildings, and barns, to name a few. Installed appliances and personal belongings are generally covered, too.

If you want to insure more than your structures and installed equipment, GMG Insurance Laguna has options that can be tailored to your needs. We can add coverage for money and securities, computers and their data, tools and specialty equipment.

If you are concerned about employee theft, terrorism, flood damage or earthquakes, we can help you get the right protection. Our business auto insurance and equipment breakdown insurance will round out a comprehensive suite of property insurance.

Bundling for Savings

A business owners policy is one way to incorporate commercial property coverage with general liability insurance and a few industry-specific coverages. These policies provide good basic coverage with attractive premiums. You can also buy a stand-alone commercial property policy or incorporate business property coverage into a commercial package policy.

We’ll also talk to you about the role of deductibles. Accepting a higher deductible usually means paying less for coverage. GMG Insurance can help with risk management, too, so your chances of experiencing a loss can be reduced.

We’ll address the property exposures your business faces.

Turn to GMG Insurance Laguna for knowledge, attention and reliability regarding your business insurance needs. Contact us (949) 715-7981 or email at