10/15/2026
A covered business loss can bring difficult decisions quickly. Understanding how your commercial insurance policy values damaged or stolen property can make a meaningful difference.
Actual cash value (ACV) coverage generally accounts for depreciation, while replacement cost value (RCV) coverage is designed to help replace covered property at today’s cost, subject to your policy’s terms and limits.
At Cellucci Foran Insurance, we help businesses throughout Pennsylvania, Delaware, and New Jersey understand the coverage behind the policy—not just the policy itself. If you are unsure whether your commercial property coverage is based on ACV or RCV, our team is here to help you review your options.
Reach out to Cellucci Foran Insurance to start the conversation.