How to Handle a Commercial Fire
Most commercial insurance policies cover fire damage. These policies should also cover additional or secondary damage caused by the water used to extinguish a fire or smoke. The following factors may impact the cost and limits of a business insurance policy. The premiums for a bar, garage or a conventional office building may vary widely based on the difference in fire risk levels. Businesses that use hazardous or flammable equipment may have higher insurance premiums. These operations may involve
Fire Safety Equipment - It is also crucial that a business be equipped with fire safety equipment. This may include
- Cooking equipment
Some regional building codes require hardwired fire alarms. These systems should also have a battery backup in case of power failure. Battery-powered smoke detectors should also be regularly tested and the batteries should be changed. Have fire suppression systems and equipment such as extinguishers periodically inspected to ensure that critical components will function in the event of a fire. All of these factors may impact the costs of commercial insurance coverage for a business located in Houston, TX. A business owner may want to compare commercial policies to find the right level of coverage for fire damage.
- Alarms and detectors
- Fire extinguishers