{"id":1945,"date":"2022-04-05T12:49:39","date_gmt":"2022-04-05T19:49:39","guid":{"rendered":"https:\/\/bhmdev.com\/sphilipsins\/?page_id=1945"},"modified":"2026-05-13T09:53:34","modified_gmt":"2026-05-13T16:53:34","slug":"commercial-property","status":"publish","type":"page","link":"https:\/\/bhmdev.com\/sphilipsins\/commercial-property\/","title":{"rendered":"Commercial Property"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;Feature&#8221; _builder_version=&#8221;3.22&#8243; background_color=&#8221;#eaf7fd&#8221; custom_padding=&#8221;50px||100px||false|false&#8221; bottom_divider_style=&#8221;arrow3&#8243; bottom_divider_color=&#8221;#ffffff&#8221; bottom_divider_flip=&#8221;horizontal&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row padding_top_bottom_link_1=&#8221;true&#8221; _builder_version=&#8221;3.25&#8243; max_width=&#8221;1280px&#8221; custom_margin=&#8221;0px||0px||true&#8221; custom_padding=&#8221;0px||0px||true&#8221; 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header_5_font=&#8221;||||||||&#8221; header_6_font=&#8221;Lato|700|||||||&#8221; header_6_font_size=&#8221;18px&#8221; header_6_letter_spacing=&#8221;1px&#8221; header_6_line_height=&#8221;1.8em&#8221; width=&#8221;96%&#8221; max_width=&#8221;700px&#8221; max_width_tablet=&#8221;700px&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Commercial property insurance is a type of insurance that covers your business&#8217;s building and its contents, which are owned by the company. When it comes to commercial property insurance, the term property can include a variety of things, including the following:<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.14.8&#8243; custom_margin=&#8221;0px||60px||false|false&#8221; custom_margin_tablet=&#8221;||30px||false|false&#8221; custom_margin_phone=&#8221;||30px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px||0px||true&#8221; use_custom_width=&#8221;on&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.14.8&#8243; background_color=&#8221;#f4f4f4&#8243; custom_padding=&#8221;30px|30px|30px|30px|true|true&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_blurb title=&#8221;Buildings&#8221; 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text_line_height=&#8221;1.8em&#8221; header_2_font=&#8221;Kanit|300|||||||&#8221; header_2_text_align=&#8221;left&#8221; header_2_text_color=&#8221;#0788CA&#8221; header_2_font_size=&#8221;30px&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_font=&#8221;Kanit|300|||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#0788CA&#8221; header_3_font_size=&#8221;30px&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;96%&#8221; max_width=&#8221;700px&#8221; max_width_tablet=&#8221;700px&#8221; max_width_phone=&#8221;700px&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_text_align_tablet=&#8221;center&#8221; header_2_text_align_phone=&#8221;center&#8221; header_2_text_align_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;30px&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Commercial Property Insurance<\/h2>\n<p>It is important to have commercial property insurance if events like those listed below happen and impact your business. It is crucial to work with an expert in commercial property insurance to understand precisely what types of situations and events your policy will cover.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.14.8&#8243; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_blurb title=&#8221;Fire&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xf06d;||fa||900&#8243; icon_color=&#8221;#0788CA&#8221; image_icon_width=&#8221;50px&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Kanit|300|||||||&#8221; header_text_align=&#8221;center&#8221; body_font=&#8221;Montserrat|300|||||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Especially in California, there is always the risk of fire.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.14.8&#8243; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_blurb title=&#8221;Water Damage&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xf740;||fa||900&#8243; icon_color=&#8221;#0788CA&#8221; image_icon_width=&#8221;50px&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Kanit|300|||||||&#8221; header_text_align=&#8221;center&#8221; body_font=&#8221;Montserrat|300|||||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Heavy rains, hurricanes, or burst pipes can cause extensive flooding and damage.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; background_color_gradient_start=&#8221;#f4f4f4&#8243; background_color_gradient_end=&#8221;#ffffff&#8221; background_color_gradient_direction=&#8221;360deg&#8221; custom_padding=&#8221;0px||150px||false|false&#8221; custom_padding_tablet=&#8221;0px||60px||false|false&#8221; custom_padding_phone=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;3_5,2_5&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.14.8&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||true&#8221; use_custom_width=&#8221;on&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.14.8&#8243; background_image=&#8221;https:\/\/bhmdev.com\/sphilipsins\/wp-content\/uploads\/2022\/04\/commercial-needs-2.jpg&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; custom_padding_tablet=&#8221;200px||200px||true|false&#8221; custom_padding_phone=&#8221;200px||200px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.14.8&#8243; custom_padding=&#8221;50px||50px||true|false&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Montserrat|300|||||||&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.8em&#8221; header_2_font=&#8221;Kanit|300|||||||&#8221; header_2_text_align=&#8221;left&#8221; header_2_text_color=&#8221;#0788CA&#8221; header_2_font_size=&#8221;30px&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_font=&#8221;Kanit|300|||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#0788CA&#8221; header_3_font_size=&#8221;30px&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;96%&#8221; max_width=&#8221;700px&#8221; max_width_tablet=&#8221;700px&#8221; max_width_phone=&#8221;700px&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; text_font_size_tablet=&#8221;18px&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_text_align_tablet=&#8221;left&#8221; header_2_text_align_phone=&#8221;center&#8221; header_2_text_align_last_edited=&#8221;on|tablet&#8221; header_2_font_size_tablet=&#8221;30px&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Commercial Property Needs<\/h2>\n<p>We can design a policy to fit your commercial property needs. As your partner and consultant, we will work with you to design a policy that fits your business&#8217;s specific needs and risks. The goal is to protect your business if a disaster strikes.<\/p>\n<p>We will work with you to understand past loss history, prevention efforts, and precautions you have put in place to reduce the chance of damage to your property.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.14.8&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;3.25&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.0.47&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;FAQs About the Best Surety Bond Company&#8221; _builder_version=&#8221;4.14.8&#8243; text_font=&#8221;Montserrat|300|||||||&#8221; text_text_color=&#8221;#5e7a8a&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.8em&#8221; header_2_font=&#8221;Kanit|300||on|||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#0788CA&#8221; header_2_font_size=&#8221;40px&#8221; header_2_letter_spacing=&#8221;0.4px&#8221; header_2_line_height=&#8221;1.5em&#8221; header_6_font=&#8221;Lato|700|||||||&#8221; header_6_font_size=&#8221;18px&#8221; header_6_letter_spacing=&#8221;1px&#8221; header_6_line_height=&#8221;1.8em&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;10px||10px||true|false&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Frequently Asked Questions<\/h2>\n<p>We want you to feel comfortable working with our insurance company and realize you may still have questions. Our FAQ section below will help you understand more about our products. Let&#8217;s learn more!<\/p>\n<p>[\/et_pb_text][et_pb_accordion _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_accordion_item title=&#8221;What Is Commercial Property Insurance?&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>This type of basic property insurance covers rented or owned commercial buildings and the assets used to conduct business. It can be used to cover damage and losses from a wide range of factors, including theft, fires, burglaries, lightning, the wind, storms, and more.<br \/>Anyone who conducts their business from their home should also consider this type of insurance as it offers more comprehensive protection than homeowner&#8217;s insurance.<\/p>\n<p>Commercial property insurance is often referred to as:<\/p>\n<ul>\n<li>Business property insurance<\/li>\n<li>Commercial real estate insurance<\/li>\n<li>Commercial building insurance<\/li>\n<li>Non-residential building insurance<\/li>\n<\/ul>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Who Needs Commercial Property Insurance?&#8221; open=&#8221;off&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Anyone whose business property has suffered damage because of the weather, theft, loss, etc., should consider this type of insurance. In fact, anyone who operates or is planning on starting their own business should invest in commercial property insurance to protect their assets in the event of unforeseen circumstances.<\/p>\n<p>Commercial property insurance can help safeguard your business assets if you run your company from a physical site, such as an office. Some business owners believe that having commercial property insurance is essential in specific sectors &#8211; for instance, compared to other firms, brick-and-mortar retailers often keep more goods on-site. Therefore, commercial property insurance is crucial due to the risk of inventory damage or theft.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Is Commercial Property Insurance a Requirement?&#8221; open=&#8221;off&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Whether or not Commercial Property Insurance is required depends on your state, local or industry. However, it is recommended for the following reasons:<\/p>\n<ul>\n<li>It covers property damage costs in the event of an accident. Your commercial property coverage will either cover the replacement cost of the building or asset or the necessary repairs.<\/li>\n<li>Business interruption coverage can help you stay afloat if a covered catastrophe forces you to temporarily close your doors by covering lost business income, moving and relocation expenses, and employee wages.<\/li>\n<li>Before agreeing to let you lease a commercial space, a landlord could require that you have commercial property insurance. Commercial leases often include this clause.<\/li>\n<li>Before granting your loan, many banks and mortgage lenders could demand proof of commercial property insurance. Similar to this, the Small Business Administration (SBA) mandates that companies have commercial insurance coverage on any properties pledged as security for loans.<\/li>\n<\/ul>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;How Much Does Commercial Property Insurance Cost?&#8221; open=&#8221;off&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]Commercial property insurance costs vary depending on a wide range of factors, such as:<\/p>\n<ul>\n<li>The total value of the business property<\/li>\n<li>The type of work you do<\/li>\n<li>History of previous claims<\/li>\n<li>The number of employees working for you<\/li>\n<li>Previous work experience<\/li>\n<li>Your set limits<\/li>\n<li>The location of your business property<\/li>\n<\/ul>\n<p>If you would like a more accurate quote, feel free to reach out to the experienced professionals at S Philips Insurance Services. We&#8217;ll help you find the most suitable commercial property insurance policy for you.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What Other Types of Insurance Are Important for Business Owners?&#8221; open=&#8221;off&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>While commercial property insurance is vital, there are other types of coverage you should consider as a business owner to protect your company against other types of risks. A few other California business insurance coverage options you should consider include:<\/p>\n<ul>\n<li>Workers&#8217; Compensation Insurance<\/li>\n<li>General Liability Insurance<\/li>\n<li>Professional Liability Insurance<\/li>\n<li>Commercial Auto Insurance<\/li>\n<\/ul>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Does Commercial Property Insurance Protect Against Natural Disasters?&#8221; open=&#8221;off&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]it depends on the policy. Business property insurance from S Philips Insurance Services can cover fires and water damage caused by heavy rainstorms or hurricanes. However, always make sure to read your policy thoroughly to determine what you&#8217;re covered against. If you have specific requirements, make sure to discuss them with our underwriters during the process. [\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What Type of Business Physical Assets Does Business Property Insurance Cover?&#8221; open=&#8221;off&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>A few of the items most commercial property policies cover include:<\/p>\n<ul>\n<li>Flooring<\/li>\n<li>Equipment<\/li>\n<li>Inventory<\/li>\n<li>Fixtures<\/li>\n<li>Furniture<\/li>\n<li>Business income<\/li>\n<li>Broken windows<\/li>\n<li>Structural damage<\/li>\n<\/ul>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;How Do You Value a Business Property for Insurance?&#8221; open=&#8221;off&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]An insurance company often values a commercial building in one of three ways, namely:<\/p>\n<ul>\n<li>Actual cash value: This entails the cost of replacement less the relevant depreciation.<\/li>\n<li>Fair market value: The value of the item if it were to be sold in the market today at arm&#8217;s length between willing parties.<\/li>\n<li>Replacement cost: How much it would cost to replace the asset with the same or a similar item.<\/li>\n<\/ul>\n<p> [\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Commercial Property InsuranceCommercial property insurance is a type of insurance that covers your business&#8217;s building and its contents, which are owned by the company. When it comes to commercial property insurance, the term property can include a variety of things, including the following:Commercial Property Insurance It is important to have commercial property insurance if events [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-1945","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Commercial Property - S Philips Insurance Services Inc<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Commercial Property - S Philips Insurance Services Inc\" \/>\n<meta property=\"og:description\" content=\"Commercial Property InsuranceCommercial property insurance is a type of insurance that covers your business&#039;s building and its contents, which are owned by the company. 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