© 2018 Lindenwood Insurance Agency
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Lindenwood Agency Commercial Personal Insurance St. Charles St. Peters Missouri

1112A First Capitol Drive

St Charles, MO 63301

(636) 946-6133

Serving the commercial and personal insurance needs of St. Charles, St. Peters, O'Fallon and St. Louis for over 50 years!

  • Best Insurance Agent St. Charles

Commercial Property Insurance

We specialize in providing comprehensive business & personal insurance plans with competitive pricing to St. Charles, St. Peters, O'Fallon, St. Louis, and surrounding areas. We are fully licensed and accredited and work with all major insurance companies to get you the best rates possible. Send us a message or give us a call, we can handle all of your insurance needs!

Business Property Insurance

Commercial Property Insurance is one of the most common types of business insurance available. Since business locations are so vital to the operations of a business, commercial property insurance is extremely important.

 

Important Features

• Building Coverage: The key when writing the building coverage for the Commercial Property policy is insuring the building for the correct amount. To determine this correct amount the insurance company will do a replacement cost calculator determination or if the building is substantial enough may even send out an engineer for a full inspection. When a loss occurs you will want the correct coverage in place so the building can be restored to its previous condition so your business can continue to move forward. 

 

 

• Business Personal Property: This component of the Commercial Property insurance policy has to do with the contents within the business. This can be fixtures, equipment, furniture, computers, etc that are on premises of the building location. This coverage is written to protect the items written above in case of a covered loss. 

 

 

• Business Interruption Coverage: This component, also known as business income provides coverage if there is a loss that prevents your business from running. The coverage kicks in to cover any potential financial downturn that the covered loss would affect. 

Schedule a consultation with Lindenwood Agency in St. Charles

Lindenwood Agency specializes in providing comprehensive business & personal insurance plans with competitive pricing to St. Charles, St. Peters, O'Fallon, St. Louis, and surrounding areas. We are fully licensed and accredited and work with all major insurance companies to get you the best rates possible. Once we understand your insurance needs we will use every resource to secure the proper coverage at the most competitive prices available.

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If you have any questions or want to set up an appointment, contact us or give us a call- 636-946-6133!

Types of Insurance We Offer

  • Business Owner's Insurance

  • Business Property Insurance

  • General Liability Insurance

  • Business Income Insurance

  • Workers Compensation Insurance

  • Commercial Umbrella Insurance

  • Commercial Building Insurance

  • Business Inland Marine Insurance

  • Business Personal Property Insurance

  • Business Surety & Fidelity Bonds

  • ...and more!

 

  • Homeowners Insurance

  • Auto/Car Insurance

  • Personal Umbrella Insurance

  • Renter's Insurance

  • Condo Insurance

  • Landlord Insurance

  • Personal Articles/Possessions

  • Personal Inland Marine Insurance

  • RV/Boat/Trailer Insurance

  • Flood Insurance

  • ...and more!

 

We've Served the commercial and personal insurance needs of St. Charles, St. Peters, O'Fallon and St. Louis for over 50 years!

WHAT OUR CLIENTS THINK

Just wanted to let you know how Happy we are with the service you provide us. The Work Comp especially, we call for Certificate of Insurance and you guys get it done quick and efficiently. We have sent a lot of installers to you over the years and it seems that they are all happy with your service. Just wanted to let you know that I appreciate it. These days it’s hard to get people to do what they say they will.  Thanks!! 

 John Dickherber - Wholesale Flooring USA

Lindenwood Agency is one of the best insurance companies we have dealt with in our day to day business. Melodie Smith is our go to girl and is quick to respond and help out with any questions or concerns we may have. She is always willing to help with our last minute requests and walk our borrowers through the insurance process. We love the way Lindenwood’s certificates are designed, making it easy for us as a lending company to understand and follow. Melodie is always on top of the renewals on all of our files which helps us out tremendously. 10/10 would recommend working with Melodie Smith at Lindenwood Agency.

 Sarah Maxon, Longhorn III Investments, LLC