{"id":67613,"date":"2026-07-15T21:39:20","date_gmt":"2026-07-16T04:39:20","guid":{"rendered":"https:\/\/govienneau.com\/?page_id=67613"},"modified":"2026-07-22T00:42:00","modified_gmt":"2026-07-22T07:42:00","slug":"commercial-property","status":"publish","type":"page","link":"https:\/\/govienneau.com\/fr\/commercial-property\/","title":{"rendered":"Immobilier commercial"},"content":{"rendered":"<h1>\n\t\t\tProtect Your Building &#038; Assets\n\t\t<\/h1>\n\t\t\t<p>Nous vous aidons \u00e0 obtenir une couverture fiable, adapt\u00e9e \u00e0 votre entreprise et \u00e0 votre secteur d'activit\u00e9.<\/p>\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" data-src=\"https:\/\/govienneau.com\/wp-content\/smush-webp\/2026\/07\/commpro-dark-top.jpg.webp\" alt=\"commpro-dark-top\" itemprop=\"image\" height=\"1050\" width=\"1600\" data-srcset=\"https:\/\/govienneau.com\/wp-content\/smush-webp\/2026\/07\/commpro-dark-top.jpg.webp 1600w, https:\/\/govienneau.com\/wp-content\/smush-webp\/2026\/07\/commpro-dark-top-300x197.jpg.webp 300w, https:\/\/govienneau.com\/wp-content\/smush-webp\/2026\/07\/commpro-dark-top-1024x672.jpg.webp 1024w, https:\/\/govienneau.com\/wp-content\/smush-webp\/2026\/07\/commpro-dark-top-768x504.jpg.webp 768w, https:\/\/govienneau.com\/wp-content\/smush-webp\/2026\/07\/commpro-dark-top-1536x1008.jpg.webp 1536w\" data-sizes=\"(max-width: 1600px) 100vw, 1600px\" title=\"commpro-dark-top\" onerror=\"this.style.display='none'\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 1600px; --smush-placeholder-aspect-ratio: 1600\/1050;\" \/>\n\t\t<h2>\n\t\t\tBien plus qu\u2019une simple assurance incendie\n\t\t<\/h2>\n\t\t\t<p>Les premi\u00e8res polices d\u2019assurance des biens d\u2019entreprise visaient d\u2019abord \u00e0 assurer contre les pertes caus\u00e9es par un incendie. Et ceci avec raison; un incendie en plein centre d\u2019une ville au tournant du si\u00e8cle dernier d\u00e9truisait souvent plusieurs quartiers et de nombreux \u00e9difices, s\u2019annon\u00e7ant aux nouvelles provinciales sinon pas nationales, et faisant en sorte que ce danger \u00e9tait toujours pr\u00e9sent dans l\u2019esprit des gens.<\/p>\n<p>Fire obviously remains a leading cause of commercial property loss in New Brunswick, but advances in building construction and codes over the decades &#8211; not to mention the steady improvement in fire response &#8211; has caused that fire now has to share the spotlight with other causes of loss. In fact, today&#8217;s best Commercial Building Insurance programs essentially cover ALL causes of loss EXCEPT for a few causes and certain types of property listed in the exclusion section of the policy.<\/p>\n\t\t<h3>\n\t\t\tUne couverture personnalis\u00e9e est essentielle\n\t\t<\/h3>\n\t\t\t<p>Malgr\u00e9 la globalit\u00e9 des couvertures d\u2019aujourd\u2019hui, ces polices d\u2019assurance des biens d\u2019entreprise modernes peuvent tout de m\u00eame laisser certaines entreprises avec de dangereuses lacunes dans leurs couvertures si le courtier d\u2019assurance ne comprend pas pleinement la nature de l\u2019entreprise qu\u2019il ou elle est en train d\u2019assurer. Certaines lacunes communes qui devraient \u00eatre adress\u00e9es sont :<\/p>\n\t<ul>\n\t\t\t<li>\n\t\t\t\t<b>Assurance Crime :<\/b> which can include theft by your employees or customers, burglary, and also vandalism to your commercial building or its contents.\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\t<b>Assurance contre les D\u00e9g\u00e2ts d\u2019Eau :<\/b> most &#8220;Broad form&#8221; insurance policies provide some basic water damage insurance coverage, such as water pipes suddenly and accidentally bursting within your building (where freezing isn&#8217;t present). The next level in water damage coverage should be what is commonly referred to as &#8220;Sewer backup&#8221; coverage to protect against water coming up through your municipal septic system. And, finally, you will want to consider commercial flood insurance, which may or may not be available in your particular area.\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\t<b>Assurance des Pertes d\u2019Exploitation :<\/b> is a form of coverage that ensures that certain business costs are taken care of while your company recovers from an insured loss. There is also &#8220;extra expense&#8221; insurance that will pay some additional costs to get you up and running at partial capacity while your Commercial Building Insurance works to get you fully operational (ie. Renting a temporary building and equipment).\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\t<b>Assurance Flottante Visant les Biens Commerciaux : <\/b>for businesses that take commercial equipment and stock taken away from their insured premises for a period of time, usually to either to use it or install it on customers&#8217; premises.\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\t<b>S\u2019assurer que la valeur de vos biens d\u2019entreprise est ad\u00e9quate :<\/b> Il y a toujours un danger que la valeur de vos biens soit d\u00e9pass\u00e9e. Par exemple, dix ans pass\u00e9s, vous faites assurer un espace de bureau un peu d\u00e9mod\u00e9 pour 200 000$, mais depuis ce temps, vous y avez investi environ 100 000$ en r\u00e9novations. Ou encore, votre entreprise a cr\u00fb jusqu\u2019au point o\u00f9 vous avez maintenant le triple de l\u2019inventaire que vous aviez auparavant. Un bon maintien de la valeur de vos biens d\u2019entreprise est un travail d\u2019\u00e9quipe essentiel entre vous et votre courtier d\u2019assurance.\n\t\t\t<\/li>\n\t\t<\/ul>\n\t<p>There are a variety of other insurance coverages that are specific to certain type of business or industry. For example, in addition to insuring their own business contents and equipment, a dry cleaner or appliance repair company has to worry about something called &#8220;bailee&#8217;s insurance&#8221; so that their clients&#8217; belongings are covered while they are in their care while being worked on. Home-based business insurance can also be a tricky, as you need to maintain separate coverage for both your business and personal contents.<\/p>\n<p>And then there&#8217;s the fact that small business insurance in New Brunswick presents different challenges than those of larger corporations. You need an insurance broker who understand the intricacies of all this. Call us today for a review of your Commercial Building Insurance needs!<\/p>","protected":false},"excerpt":{"rendered":"<p>Protect Your Building &#038; Assets We help you secure dependable coverage tailored to your business and industry. Way More Than Just Fire Insurance The first Commercial Property Insurance policies were all about insuring against loss by fire. And this was for good reason; a fire in the core of a turn-of-the-century town or city would&hellip;<\/p>","protected":false},"author":2,"featured_media":44,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-67613","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Commercial Property | Property Coverage by Vienneau<\/title>\n<meta name=\"description\" content=\"Choose Vienneau, a local insurance broker in New Brunswick, for property coverage that fits your needs. 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