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business meetingMany articles and blog posts discuss the importance of creating a home inventory in order to properly assign home insurance limits and make the claims processes easier. There have even been several Smartphone and tablet apps designed to simplify the process. Business owners, while not often mentioned in these articles, blogs or app ad copy, should not feel as though they’re exempted from the benefit of creating an inventory of their business property. In fact, one way to ensure that you make accurate claims and have realistic limits on your commercial property policy is to create an inventory of your company’s assets.

Creating Your Business Inventory

A commercial property inventory is completed much the same way as a home inventory. All one needs to do is go from room to room within their business and make a list of all the assets they have. This list should include computers, furniture, supplies, merchandise, software, books, art, and so on. Along with that list, the business owner should consider storing pictures of each room, receipts or invoices for the purchases and model numbers for items such as computers. For convenience, business owners can even consider adapting existing home inventory apps in order to utilize them for their business.

Lastly, if a business owner has or retains any property owned by a customer or client, it can be a good idea to inventory that as well. Even if that property changes from month to month, inventorying what’s currently on hand can give the business owner a good idea as to the potential liabilities they face should their clients’ property be damaged or stolen while in their care. Once the commercial property inventory is completed, the business owner may place it with their other insurance documents after sending a duplicate to their agent.

If you have questions about how to complete a commercial property inventory or how to design your Ohio business insurance policy, stop by or give us a call at 740-467-2040.

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