Commercial Property Insurance Calculator
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Guide
Commercial Property Insurance Guide
Estimate annual insurance premiums based on Total Insured Value (TIV), construction classification, and deductible tier credits.
Formula
TIV = Building Replacement Value + Business Contents Value
Base Premium = (TIV / 100) * Rate per $100
Net Premium = Base Premium * (1 - Deductible Credit)Frequently Asked Questions
- What is Total Insured Value (TIV)?
- TIV represents the combined full replacement cost of physical real estate structures and interior business contents or machinery.
- How much can higher deductibles save on premiums?
- Increasing property deductibles from $1,000 to $5,000 or $10,000 routinely reduces annual commercial policy premiums by 10% to 15%.