10/15/2026
A covered business loss can bring enough uncertainty without questions about how your policy will pay.
Actual cash value (ACV) coverage generally accounts for depreciation, while replacement cost value (RCV) coverage is designed to help cover the cost to replace damaged property with comparable new items, subject to your policy terms and limits.
That difference can have a real impact on your recovery and your bottom line.
Swipe through to see how ACV and RCV coverage compare. Then reach out to our team at Chrysalis Insurance Agency if you would like help reviewing your business insurance policy and understanding your payout options.