Property Insurance:

Buildings – coverage for damages to buildings you own.  There are some limitations based on the location or processes used in your operation.

Equipment and Inventory – coverage for company owned fixtures, machinery, equipment and inventory at a fixed location.  Coverage can be written to cover inventory or equipment that moves from building to building at the same location.

Bailees – coverage for property owned by others that is in your custody (being worked on or transported by you) or in some cases work being done by you on existing equipment at a customers location.  This also covers property of others at your place of business

Extra Expense and Business Income – coverage to assist you getting back up and productive after an event that damages or causes a shutdown of your facility – for instance a fire or storm.

Equipment Breakdown – coverage for damages caused by equipment breaking down – for instance loss of food or temperature sensitive food or wines caused by a refrigeration breakdown.

Boiler and Machinery – coverage for heated or pressure operating equipment and the damages that can be caused by that equipment exploding.  Damage caused by this type equipment is not covered under your property coverage for buildings.

Inland Marine / Contractors Equipment – coverage for equipment that is used away from your place of business – for instance drilling, construction or services using any mobile equipment.  This coverage also applies to samples or equipment carried by sales persons.  If you use rental equipment regularly, you will get better and less expensive coverage with you own policy.

Builders Risk / Installation – coverage for buildings being renovated or under construction, materials at a job site, equipment being constructed or assembled away from your place of business.

Cargo or Transportation  – coverage for product you are hauling on your vehicles or for products you are having hauled by others.

Rail Cars – leased or owned – Coverage for rolling stock you may be responsible for. 


Ray Arnold & Associates PC
3516 Woods Estates Dr.
Conroe TX 77304

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All insurance coverage and offers of coverage are subject to the underwriting criteria and approval of the insuring companies.

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