Commercial Property Insurance | Zorn

Commercial Property Insurance

Safeguard Buildings, Equipment, and Business Income

Zorn builds commercial property programs that protect buildings, contents, and income—with correct valuation, coinsurance alignment, and the endorsements carriers expect.

Property losses stop work, strain cash flow, and risk customer commitments. Zorn helps Southeast Georgia businesses set accurate values, choose the right deductibles, and add the endorsements that keep you moving after a covered loss—backed by clear documentation carriers expect.

Let ZORN Right-Size Your Commercial Policy

Valuation

Choose Replacement Cost when feasible; understand when ACV or a margin clause applies.

Coinsurance & Deductibles

Avoid penalties with current, defensible values; use percentage or wind/hail deductibles strategically.

Perils & Endorsements

Consider theft, water backup, utility service interruption, and equipment breakdown based on operations.

Ordinance or Law

Coverage A/B/C for undamaged portions, demolition, and code upgrades—crucial for older buildings.

ZORN Commercial Property Insurance: What it Covers

Buildings & Structures

Your premises, attached structures, and improvements. We review construction type, age/updates, protections (sprinklers/alarms), and wind/hail deductibles to balance price and risk.

Business Personal Property (Contents/Inventory)

Furniture, machinery, stock, and materials—on premises and, with proper endorsements, at job sites or in transit. We’ll address peak season and fluctuating stock.

Business Income & Extra Expense (Downtime Protection)

Replaces lost income and pays necessary extra costs to operate after a covered loss. We help estimate the right period of restoration—often 12–18 months for complex operations.

Equipment Breakdown (Mechanical/Electrical)

Failure of boilers, HVAC, electrical panels, and critical electronics. This fills gaps most property forms don’t address.

Inland Marine / Contractor’s Equipment (On the Move)

Mobile tools and equipment on trucks, at jobs, or in storage yards. We’ll schedule high-value items and set theft protections that carriers favor.

Claims & Documentation

We help you build the paper trail carriers want—photos, inventories, receipts, and work orders—so adjustment moves faster. Expect clear intake steps, mitigation guidance, and realistic timelines from first notice to settlement.

Proof You Can Trust

For more than six decades, Zorn has supported Georgia employers with dependable service and accountable follow-through. Clients value our responsiveness, clear communication, and the way we make complex requirements easier to manage.

“ZORN helped us uncover gaps that could have exposed us to everything from property losses and employee liabilities to income recovery and auto protection issues. Without ZORN’s risk management insight, we may not be in business today.”

Jason Colbert Chief Executive Officer, Community Hospice

“ZORN is committed to understanding our business and protecting our interest. The insight, service and sense of partnership Sikes Brothers Construction experiences with ZORN is remarkable. We plan on working with ZORN for a very long time.”

David Sikes President, Sikes Brothers Construction

“ZORN did not just offer insight on different insurance options – they demonstrated unparalleled depth in understanding my company and provided real world business solutions outside of an insurance policy. They really provide insight that matters.”

Chad McEntire President & CEO, Lonesome Oak Trading Company

Risk Controls That Can Lower Cost

Documented Roof Condition and Maintenance Records

Monitored Alarms/Sprinklers and Water-Leak Detection

Updated Electrical/Plumbing; Locked Yards and Serialized Equipment Lists

Common Commercial Property Insurance Questions

RC vs. ACV—what’s the real difference at claim time?

Replacement Cost pays to repair/replace with like kind and quality without depreciation; ACV subtracts depreciation. We’ll show premium and payout impacts so you can choose wisely.

How do coinsurance penalties happen—and how do we avoid them?

If reported values fall below the coinsurance percentage at loss time, payouts are reduced. We update values annually and document improvements to keep you compliant.

Do I need business income if we can operate elsewhere temporarily?

Usually yes. Even with temporary space, extra expense and lost revenue add up. We’ll size the amount and restoration period to your operations.

What’s the right deductible strategy for wind/hail?

We’ll weigh flat vs. percentage deductibles, building values, and historical weather to find a cost/risk balance that fits your budget and lender/lessor terms.

Interested in a Commercial Property Insurance Review? Contact ZORN today!

We’ll validate values, tune endorsements, and map a renewal plan—so coverage keeps pace with real-world costs.