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@Brandon Sturgill any commercial insurance policy will have a property rate, premium per $100 of building value and Liability rate, cost per unit/door. Commercial Property (4 units or greater) rates in the Midwest are running around $0.20 to $0.50 depending on age, building type and occupancy.
Business income losses are calculated based on the amount of income your company actually loses during the time your business is shut down. The most your insurer will pay for a loss is the business income limit of insurance. To choose an adequate the limit, you must make the following two projections: