What Commercial Property Insurance Covers

Posted on January 30, 2026January 15, 2026 by admin

When you run a company in Muskogee, OK, you need much more than liability insurance to cover your risks. One of the essential policies for entrepreneurs is commercial property insurance. It’s typically bundled as part of a business owners policy (BOP). D & E Insurance Agency can help you understand how commercial insurance will protect your business investment.

Coverage Provided by Commercial Property Insurance

These policies cover the physical assets your business needs to operate, including the buildings where operations occur and other business property. Structures covered include additions, permanently installed fixtures, and other equipment listed in the policy. If these structures sustain damage or are destroyed by a covered risk like a fire or storm, you’ll receive compensation for replacement or repair.

Commercial property insurance also covers inventory, supplies, computers, furniture, tools, and the like, even if you don’t run your business out of the covered building. The only requirement is that the building must be part of your operations, such as a storage facility.

Covered Perils and Additional Options

Commercial property insurance generally covers damage or destruction caused by the following:

Fires, lightning, and explosions
Theft, burglary, and vandalism
Windstorms and hail
Falling objects
Burst water pipes

You can also include endorsements, or add-ons, in your policy for things not covered by standard commercial property insurance. These may include:e

Equipment breakdown coverage for unexpected mechanical failures
Business interruption protection to cover lost income, rent, and payroll if you must close temporarily due to a covered loss
Sewer backup coverage for clogged pipes and sewer overflows

Read your policy carefully to determine what it does not cover. Typical exclusions involve damage from earthquakes, floods caused by overflowing rivers, and normal wear and tear.

Contact Us for a Commercial Insurance Quote

Learn more about commercial insurance by contacting the professionals at D & E Insurance Agency. We’re currently serving Muskogee, OK.

When to Re-evaluate Your Commercial Insurance Needs

Posted on September 30, 2025September 19, 2025 by admin

Running a business means juggling countless moving parts, and insurance often gets left on the back burner. Policies are purchased, filed away, and rarely revisited until something goes wrong. The problem is that businesses change over time, and insurance that fit five years ago may not fit today. Knowing when to re-evaluate your coverage through D & E Insurance Agency, serving Muskogee, OK, can prevent gaps that lead to costly setbacks.

Growth and Expansion

One of the clearest signals to reassess your insurance comes with growth. Adding new locations, hiring more staff, or investing in equipment changes your level of risk. Coverage designed for a small operation may not be sufficient once your business has expanded. Reassessing ensures that your protection keeps pace with your success.

New Services or Products

If you’ve diversified your offerings, your exposure has shifted. Selling new products, branching into delivery, or handling sensitive data creates risks your old policy might not cover. Each change is an opportunity to check whether your insurance still aligns with your operations.

Regulatory or Contract Requirements

Sometimes external factors drive the need for change. New state regulations or client contracts may require specific types of insurance. In Oklahoma, as industries evolve, keeping up with these requirements is crucial—not only for compliance but also for maintaining valuable partnerships.

Claims or Near Misses

Experiencing a claim, or even a close call, is another reminder to review your coverage. These events reveal where your insurance works well and where it may fall short. Adjusting after a scare is better than learning the hard way during the next incident.

Commercial insurance shouldn’t be a set-and-forget decision. Reviewing policies regularly, especially after significant changes, ensures your business stays protected no matter where growth takes you. Get in touch with your insurance representative at D & E Insurance Agency, serving Muskogee, OK, today to make sure you have the coverage you need.

Do You Need Cyber Insurance?

Posted on May 30, 2025May 27, 2025 by admin

With a plethora of commercial insurance options available, it can be challenging to determine which ones you need. Cyber insurance is one type that often gets overlooked, yet it’s becoming increasingly crucial for many businesses today. If you’re considering cyber insurance, we’re here to assist. Reach out to us at D & E Insurance Agency in Muskogee, OK.

Business Operations on Computer Networks

Work functions are increasingly shifting to computer networks. The vast amount of records a business needs to maintain no longer requires extensive physical storage space, thanks to digital storage solutions. However, this makes business computer networks a prime target for hackers seeking access to this data. Your business likely stores everything from payment information to personal employee data on its network. If this data is stolen, it can be sold or even publicly disclosed, leading to a significant and costly cleanup process.

Data Theft Consequences

Once data is stolen, substantial costs may be incurred in restoring the business to its pre-breach state. You may need to compensate those affected by the data breach. There could also be significant legal costs associated with it. A cyber insurance policy can cover all these expenses, helping a small business recover after a costly data breach.

Securing Cyber Insurance in Oklahoma

If your business could benefit from cyber insurance, we can help you acquire it. To discuss this type of insurance and how it works, contact us at D & E Insurance Agency in Muskogee, OK. We can provide more information and get you started.

What Businesses Can Benefit From Higher Liability Policies?

Posted on January 31, 2025January 23, 2025 by admin

If you operate a high-risk business in or near Muskogee, OK, you may benefit from higher liability levels in your commercial insurance policy. Sufficient coverage for accidents and other risks can make the difference between keeping your business and closing it. Determining what you need can be difficult, but D & E Insurance Agency professionals are here to help.

High-Risk Industries That Need More Liability Coverage

Excess liability coverage can benefit industries with inherently high risks. Whether you face risks from injuries to employees or visitors, property damage, risks from advertising or public relations, or other hazards, carrying additional liability insurance is essential for some companies.

If you do business in one of these industries, consider getting excess liability coverage:

Construction
Manufacturing
Waste management
Healthcare
Hospitality

The Differences Between Excess Liability and Umbrella Insurance

Some people may think these two terms are synonymous, but they are not the same. Excess liability extends the limits of an underlying policy you may have as part of your business owner’s insurance. This straightforward provision provides additional coverage without changing the underlying liability provisions. Excess liability insurance benefits construction and contracting businesses, medical professionals, transportation companies, and manufacturing operations.

Umbrella insurance also gives your business higher liability limits and may give you coverage for additional claims. You’ll also get legal protection if someone decides to sue you. In other words, you’ll get coverage for legal fees if you need to defend yourself in court against accusations. Excess liability coverage only gives you higher payout limits and doesn’t consider court fees.

Let the professionals at D & E Insurance Agency, serving Muskogee, OK, help you determine how much liability insurance your company needs. Contact us today to get started on your policy.

How to Protect Your Muskogee OK Business from Severe Weather Damage

Posted on September 30, 2024September 26, 2024 by admin

Situated right in the middle of Tornado Alley, Muskogee, OK, has witnessed an increasing number of powerful and life-threatening storms. These natural disasters can wreak havoc on local businesses, emphasizing the crucial requirement for suitable protection. The insurance experts at D & E Insurance Agency are here to provide professional advice on how best to reinforce your business against the volatile nature of weather.

Our team of qualified and knowledgeable insurance agents aims to help local small businesses effectively safeguard their commercial investments. We recommend a robust insurance policy designed to have your best interests at the forefront.

How a Comprehensive Commercial Insurance Shields Your Business from Weather-related Damage

Commercial insurance policies provide a safety net for businesses, large or small, protecting investments and covering losses caused by unforeseen events. An essential part of this protection is liability insurance, which serves as a defensive layer against legal claims.

A well-rounded commercial insurance policy can extend the boundaries of your insurance protection, acting as a robust financial shield. This comprehensive coverage ensures you can recover financially from property damage and business loss caused by severe weather conditions.

What Kind of Weather-related Damages Can Commercial Insurance Cover?

Commercial insurance policies can accommodate various weather-related damages, from property damage and income loss to inventory theft or cyber theft. Structural damages that cannot be repaired, collapsed pipes, broken windows, and even damaged company vehicles often arise after severe storms, especially the powerful windstorms commonly experienced in Muskogee.

It is highly beneficial to consult with a trusted local insurance professional who can provide valuable insights into the pros and cons of commercial insurance coverage. Regardless of the size of your business, having the right commercial insurance can be vital.

Being proactive in securing your business can bring much-needed peace of mind. You can rest assured knowing that you have taken vital steps to shield your business and your bottom line from potentially devastating financial losses.

Contact D & E Insurance Agency to explore your business’s best commercial insurance options. Secure your peace of mind with us.

Overlooked Commercial Policies Your Business Needs

Posted on May 30, 2024May 30, 2024 by admin

When it comes to protecting your business in Muskogee, OK, certain insurance policies are often overlooked despite their importance. At D & E Insurance Agency, we believe in helping local businesses understand all their insurance options to ensure comprehensive protection. Here are some key policies you might not have considered but could be crucial for your business.

Cyber Liability Insurance: In today’s digital age, every business, no matter its size, faces cyber threats. Cyber liability insurance protects your business from the repercussions of cyber-attacks and data breaches. Considering the rising frequency of these incidents, this coverage is becoming essential for safeguarding your client data and your company’s reputation.
Employment Practices Liability Insurance (EPLI): This protects your business against employee claims alleging discrimination, wrongful termination, harassment, and other employment-related issues. As companies in Muskogee grow and employ more staff, the risk of these claims increases, making EPLI a wise addition to your insurance portfolio.
Directors and Officers Insurance: This policy is critical for businesses that have a board of directors or executive officers. It protects these key personnel from personal losses if they are sued as a result of serving the company. This type of insurance can help attract and retain qualified executives in Muskogee, OK.
Business Interruption Insurance: Property insurance covers physical damage from events like fires or storms, but business interruption insurance covers the revenue you lose during these closures. This can be a lifesaver for sustaining operations until your business in Muskogee, OK, can fully reopen.

Contact us today if you’re unsure about your current coverage or want to learn more about these essential but often overlooked policies. Let D & E Insurance Agency help protect every facet of your business.

Can My Business Buy a Business Owners’ Policy?

Posted on January 22, 2024January 29, 2024 by admin

Protecting your small to mid-sized Muskogee, OK area business proves simpler with a business owners’ policy (BOP) from D & E Insurance Agency. This package of four commonly needed insurance policies provides your business with vital financial protection at a better rate than purchasing the four policies separately.

BOP Qualifications

Every insurance company uses its own modification of the criteria, but each applies four main requirements. To qualify for a BOP, a business must:

Maintain a staff of fewer than 100 individuals
Operate from an office or commercial space
Generate annual revenue of less than $1 million
Require one year or less of business interruption insurance.

Essentially, a BOP provides a strong foundation for a company while it remains in the startup phase.

How a BOP Helps Your Business

Buying a BOP package doesn’t just save you money on premiums. It automatically provides coverage for:

Commercial property
Bodily injury and property damage liability
Personal and advertising injury liability
Business interruption coverage.

With these important protections, a business remains covered from most perils and all liability situations.

You can also add other coverage to your commercial policy package, using the BOP as the foundation. Commonly added coverage includes a commercial auto policy, glass coverage if your business space features plate glass windows, and malpractice protection for attorneys and medical practitioners.

Contact Us for Coverage

Contact D & E Insurance Agency for a commercial insurance consultation for your Muskogee, OK business. We offer commercial policies that protect the financial future of your business. Call or email us today about a business owners’ policy for your company.

Four misconceptions out there about commercial insurance

Posted on September 22, 2023October 2, 2023 by admin

Business owners need to be properly informed to make the right choices about commercial insurance. Unfortunately, there’s a lot of misinformation that business owners in Muskogee, OK could come across. At D & E Insurance Agency, we’re dedicated to informing business owners and helping them make the best decisions on insurance coverage.

The following are four misconceptions out there about commercial insurance:

Commercial insurance is always optional.

Commercial insurance is not always optional; in many cases, it’s mandatory. Laws and regulations may require businesses to carry certain types of insurance, such as workers’ compensation or liability coverage, to protect employees, customers, and the public.

Commercial insurance is not affordable for startup businesses.

Commercial insurance can be surprisingly affordable, even for startup businesses. By tailoring policies to specific needs and leveraging discounts, startups can obtain essential coverage without breaking the bank. This protects a business’s operations and helps achieve future growth.

Business owners can always get coverage under their partner’s commercial insurance policy.

Business owners cannot always rely on their business partner’s commercial insurance policy. Each business should maintain its own insurance coverage to protect its interests, as relying on a partner’s policy may lead to coverage gaps or conflicts.

All commercial insurance policies are the same.

Commercial insurance policies are not one-size-fits-all. These policies are typically uniquely tailored to the specific needs that a business faces. That’s why business owners need to take the time to figure out what types of coverage and how much coverage their company needs.

Consult With Us

Get the information you need on commercial insurance by contacting us at D & E Insurance Agency. Protect the financial future of your business in Muskogee, OK with the quality coverage we offer. Call now for a policy quote!

Types of Commercial Insurance

Posted on May 19, 2023June 7, 2023 by admin

At D & E Insurance Agency, we offer many types of insurance, including commercial insurance, for residents of Muskogee, OK. Commercial insurance can provide financial protection for your business.

What is Commercial Insurance

Commercial insurance differs from personal insurance policies because commercial policies are designed to protect businesses and business owners.

Commercial Property Insurance

Commercial property insurance provides coverage for your place of business or buildings where you conduct business operations, including warehouses, stores, and manufacturing centers.

This coverage includes the structure, inventory, and property within the building.

Commercial Auto Insurance

Commercial auto insurance provides auto coverage for vehicles that are used as part of your business operations. This includes vehicles owned by the company and personal vehicles employees drive while completing job duties.

Commercial General Liability

Commercial general liability provides protection from liability claims. If someone is injured or their property is damaged while visiting your business, this policy coves the damages.

It also covers wrongful eviction, libel, copyright infringement, and damage to properties you are renting.

Business Interruption Insurance

Business interruption insurance is important for small and medium-sized businesses. If you can’t operate your business due to covered property damage, this policy will compensate you until your business is open again.

Worker’s Compensation Insurance

Worker’s compensation insurance will cover the medical expenses and lost income of employees if they are injured on the job. If you have one or more employees, Oklahoma requires worker’s compensation coverage.

Business Owner’s Policy

A business owner’s policy combines commercial property insurance, general liability, and business interruption insurance into one easy-to-manage policy.

Reach Out To Us

If you are in Muskogee, OK and need commercial insurance, contact us at D & E Insurance Agency. Our knowledgeable agents are here to help you select the policy that meets your needs.

Does Commercial Insurance Protect Against Cyber Crime?

Posted on January 27, 2023February 2, 2023 by admin

Commercial insurance or business insurance protects the owner from various risks. One significant risk to businesses of all sizes today is cybercrime. Most business or commercial policies cover liability related to cybercrime. Remember to make sure the policy you choose covers liability for data breaches if you have an online presence. Let the experts at D & E Insurance Agency serving Muskogee, OK assist you with acquiring a policy that fits your needs.

Commercial Coverage

Commercial insurance is designed to protect businesses and owners from many risks. They can include client lawsuits, data breaches, theft, and natural disasters. Commercial coverage is essential for all types of businesses. However, you can customize your coverage and add coverage that meets your needs and offer more protection from the unexpected.

Businesses of all sizes and types need commercial insurance. If you need help determining which type of insurance works best for your situation, we can help. Our agents are highly insightful and trained to assist customers with selecting the proper coverage.

Residents needing commercial insurance can sit down with one of our top insurance experts, who can provide solutions based on their current and future needs. We strive to ensure each individual gets exceptional customer service they need to protect the things that are most important to them.

Reach Out Today

If you want to learn more about commercial insurance protection that’s right for your needs, reach out to us today. Call or stop by D & E Insurance Agency in Muskogee, OK and let us get started helping you get the proper protection. We want to ensure customers have insurance products that offer them security and peace of mind.

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