Some guarantees offered by service providers
Some companies offer guarantees or extensions that may be included or optional for your business premises insurance. These can sometimes be paid or free. Within these offers we can list:
Coverage of expert fees and fees;
The loss of value of the operating fund after premises were destroyed following a disaster;
Coverage of computer equipment as well as paper or computer archives;
The subscription as well as the management of the insurance contract of the commercial premises online through a dedicated secure space.
Note that most insurers provide contracts or packs that have been specially developed to adapt to certain activities. They can also harmonize with particular structures.
How much is a business premises insurance?
The insurance of the commercial premises has the possibility of harmonizing not only with the various parameters of the premises, but also with the activity carried out there. Likewise, the premium price for a business premises insurance is not fixed. This varies depending on the useful insurance coverage. Several factors are taken into account in calculating the price of business premises insurance.
In fact, the amount of the insurance premium rises according to the size of the commercial premises. It therefore depends on the m2. In addition, there is the location of the commercial premises. This is how a local located in the heart of the city is more at risk of vandalism than one located on the outskirts. From the same perspective, the insurance premium for commercial premises located in a high-risk city will be higher.
Also, the professional activity practiced can also influence the determination of the price of the premium for a commercial premises insurance.
The nature of a risk and the likelihood of it occurring also depends on the installation. An activity that involves the use of an oven, for example, presents greater risks than buying and selling clothes.
Another parameter affecting the price of the premium for the insurance of the commercial premises is the set of risks that the insurance itself covers. Indeed, repairing some damages is much more expensive in comparison to others. Repairing a broken display case will not require the same expense as repairing fire damage.
Also, it should not be forgotten that the insurance of the commercial premises does not cover all the costs relating to a claim. This is how the excess, representing part of these costs, could be borne by the insured. Before purchasing business premises insurance, you should consider probing quotes from different companies. This may promote better comparative study.
Don't forget the 3-6-9 commercial lease
In addition to knowing all about insuring your business premises, don't forget to think about the length of your business lease. For example, the commercial lease 3 6 9 is regularly used in connection with a commercial lease.
Why is the commercial lease 3 6 9 regularly used?
The commercial lease 3 6 9 is regularly used for commercial rentals when they meet at least one of the following conditions:
The lease is for premises or a building reserved for commercial use
The places designated by the lease are used for the exercise of a professional activity
The tenant named on the lease is registered in the trade and companies register (RCS) or is an association
This lease is used because it allows the owner to rent his rental property for commercial, craft or industrial use. In addition, the indications 3 6 9 found in the name show that this is a 9-year lease with which the tenant can terminate it every 3 years. Obviously, the termination of the lease in a friendly manner is of course possible, subject to respecting a certain formalism.
What information should appear on a 3 6 9 lease?
A commercial lease of this kind should show several pieces of information. We have therefore listed them:
Identification of the rented premises, their locations and any other important characteristics to know;
The estimated duration of the lease (generally 3 years, 6 years or 9 years);
The amount of rent and charges;
The professional or associative activity that will be carried out by the tenant of the property;
The list of obligatory annexes to the rental.
With the lease 3 6 9, some charges are still the responsibility of the owner
Several expenses remain the responsibility of the owner when you are a tenant of a commercial place. Here are a few :
Major repairs as well as fees related to this work (for example
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