10/15/2026
A covered loss can create difficult decisions for any business. One important detail is how your commercial insurance policy values damaged or stolen property.
Actual cash value (ACV) coverage typically accounts for depreciation, while replacement cost value (RCV) coverage is designed to help cover the cost of replacing eligible property with comparable new items, subject to your policy’s terms and limits.
That difference can have a meaningful impact on your business’s recovery after a loss.
At Stratford Insurance, we help businesses in Middleton and across the North Shore understand their commercial insurance options and choose tailored coverage that supports their goals. Contact our team to review whether your policy includes ACV or RCV coverage and what it could mean for your business.