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Commercial Insurance


For our Business Clients in all industry sectors, we specialize in creating top quality programs with leading Insurers covering:

Automobile (Including Garage)
Boiler and Machinery
Builder’s Risk
Business Interruption
Commercial Liability
Commercial Property
Crime
Directors' & Officers
Errors & Omissions
Excess Liability
Umbrella Liability



Automobile (Including Garage)

Provides statutory automobile insurance to vehicles owned, leased, or licensed by your business. Other policy forms available are garage automobile, non-owned automobile (usually attached to a CGL policy), excess automobile liiability (usually attached to an Umbrella policy) and lessors contingent automobile policy, designed to protect leasing companies.



Boiler and Machinery

Insures against the breakdown of pressure vessel, mechanical, electrical, or electronic equipment and machinery. This equipment may include refrigeration and air conditioning systems, steam boilers, hot water tanks, and production machinery.



Builder’s Risk

Builder's Risk Insurance is designed to protect property while in the course of construction. It covers against a variety of perils including fire, windstorm, flood and earthquake. Additional perils specific to construction projects can be added such as building collapse. The policy can also cover the cost of transporting materials to the site or storing construction materials temporarily off site. If a direct loss from a covered peril causs the delayed start-up of operations due to the extended construction time to rebuild, the consequential loss of revenue from the delay can also be insured by the Builder's Risk policy.



Business Interuption

Protects your business from financial loss when your company’s property has been damaged or destroyed by an insured event.



Commercial Liability

This policy will protect your business from damages you must pay to others for bodily injury or property damage, including the cost of defending your organization against suits alleging said damages.



Commercial Property

Indemnifies your organization for loss to tangible property resulting from a variety of different perils including fire, theft and windstorm.



Crime

Provides coverage for instances such as employee dishonesty, loss of money and securities, and mysterious disappearance of stock.


Directors' & Officers

Protects company designates from liability resulting from inadvertent or deliberate wrong-doing by the company or its employees.



Errors & Omissions

Professional liability insurance protects you against liability arising from the rendering of, or failure to render, services as offered by your company.



Excess Liability

Offers limits of liability in excess of the primary or underlying limits of liability provided by a CGL, Umbrella or Automobile policy. An Excess policy will only provide the same coverage as the underlying policies.



Umbrella

Provides for additional coverage above the usual business coverage limits.

 

 

 

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