Commercial Property

Building and Business Personal Property
This coverage pays to repair or replace your property, including your inventory, office furniture or fixtures if they
are damaged by fire or other covered loss.

Tenant Obligations
As a tenant, you may have to pay for certain building damage caused by a break-in, damage to building glass,
and lease assessments. If so, this policy can cover these financial responsibilities.

Computers and Media
Protects your investment in computer technology by reimbursing you for
  • Physical loss or damage to your computer hardware
  • Loss of data or computer software
  • Damage caused by computer virus

Computer Fraud
This coverage helps protect you if someone steals your money, securities or other property electronically
through the computer.

Accounts Receivable
This coverage protects you if you are unable to collect outstanding balances because your account records are
lost or damaged due to a covered cause of loss.

Property in Transit
This coverage protects your business personal property if a covered loss or damage occurs during shipment.

Business Income Interruption
Business Income provision covers property and/or income loss due to an interruption in your communication,
water or power supply services.
Trout Insurance is a full line insurance agency located in Asheville, NC.  Trout Insurance offers life, health, disability, Medicare supplement, long term care insurance home and auto insurance for
individuals as well as college funding  and retirement planning.  Christopher Smith, Dave Trout, Jan Trout and Ralph Redpath are independent insurance agents with Trout Insurance.  Christopher Smith
specializes in group health insurance, employee benefits, insurance needs for business owners, key person disability insurance, disability buy out insurance, individual life insurance, short term health
insurance,  disability insurance, long term care insurance, group long term care insurance and critical illness insurance.  
Dave Trout specializes in life and disability insurance, Medicare supplement
insurance, retirement planning for individuals and businesses, commercial business insurance and college funding.  
Jan Trout specializes in individual health insurance.   Ralph Redpath specializes in
home and auto coverage.  Web site design by
Christopher Smith.  Agency photo by Jason Sanford.