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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.

Our Locations

*Main Office - Redding

2947 Victor Ave
Redding, CA 96002
Main office: 530-223-0637
Fax: 530-223-6933

Corning

705 4th Street
Corning, CA 96021
Main office: 530-838-9098

Our Providers

Testimonials

Berry Curtis Insurance has the nicest, most helpful people I have ever met. They have just great, professional people working there. I am comfortable with them. They are a good, local agency, and I will continue to use them. I was originally with Allied Auto Insurance, and I wanted a more local agency. I switched over to them, and it was the best move I ever made. They deserve kudos. Any future business having to do with insurance I will do with them, because of their level of professionalism. They deserve six stars as opposed to five stars.

Daniel S
Berry Curtis Insurance were very helpful. I had just bought a new house and car, and they packaged my insurance for me pretty easily. I just had to fill out a few forms and provide proof of stuff, then they quickly got me a quote. Everyone that I worked with was really friendly. Berry and Michael were very responsive with my phone calls, and they'd get right back to me if I left a message. They saved me about $2,000 on insurance, so it worked out for me!

Andrew B.
We have no complaints about Berry Curtis Insurance! We've been using them for about seven years, and anything we've needed, they've done. They're very responsive when we have any questions, and they've helped us very much! They're very responsive and available. Berry is very good one-on-one. He's very good at explaining things, and he's always worked on our behalf. He knows his business, and he knows insurance. We've had no reason to go anywhere else! He's a professional in a professional industry.

Kathy B.
Berry Curtis Insurance covers my home, cars, and helps me with my business. I've known him for quite a while and he's very knowledgeable. If I have any questions, I can call and he always has the time to talk about them. Out of all the insurance people I've dealt with in the last 40 years, I've never had an insurance agent more helpful than Berry Curtis.

Thomas H.
erry Curtis has been an absolute pleasure to work with over the years. While his offices are in Redding and my business and residence are located in Sacramento he has helped immensely in more ways than I can count. My wife and I have our personal auto lines, our home owners, business liability, workers comp, and our business auto's all insured through Berry Curtis Ins. It is such a luxury to have one person to talk to about so many complicated issues in our personal and business lives. Berry and his staff are extremely helpful and knowledgeable. In addition, Berry is always willing to shop around for the best rates for each of our policies and has saved me a bundle by doing so. Also, the many times in which we need service such as to file a claim, change an employee, add or alter coverage, payroll reports, etc., they are always able to help almost immediately. They respond to calls and emails immediately unlike some where you may wait days or might even never receive follow up call. Their fees are minimal and we never feel like we are being overcharged. If you need insurance of any type you can rest assured Berry Curtis will make the process as simple and pleasant as possible.

Brian S.