Commercial insurance helps to protect your business in a variety of ways. One of the questions we are often asked at Town & Country Insurance, serving the greater Buford, GA area, is whether vandalism is covered under a commercial insurance policy or not. Here is some information you need to know about this topic.

Vandalism is covered under your commercial insurance plan. For example, if you have commercial insurance property coverage, and someone throws a rock through your store front window, the insurance company would pay to replace the window, minus your deductible. Likewise, if someone breaks into your store and smashes your computer equipment, that would be covered as well.

However, the catch to vandalism is your deductible. Most commercial insurance policies have fairly high deductibles. As such, if someone spray painted the side of your building, your deductible may be more than buying a can of paint and painting over the graffiti in question yourself. Before filing a claim for vandalism, you should take the time to find out how much it will cost to repair the damage yourself and then compare that amount to your deductible. If they are close, you may be better off by not filing an insurance claim and just paying out of pocket to fix or rectify the damage yourself.

Do you have questions about your existing commercial insurance policy or are you looking to obtain a new one in the greater Buford, GA area? Then let Town & Country Insurance help. Give us a call today and let us discuss your insurance needs with you, answer any questions you have, and put together the perfect policy for you.