Commercial insurance protects you and your business from potential losses that may result from unforeseen circumstances. All types of unfortunate events can result in work interruptions. On-the-job injuries affect your valued workforce; fire damage can bring operations to a halt at your brick and mortar facilities. The bottom line is, when work stops, revenue is affected.
You can’t launch a business without risk, of course. As a small business, you probably don’t have the luxury of having a staff risk manager, but keeping risks and losses low is crucial to your operation. Choose adequate commercial insurance; it helps reduce risks and losses by offsetting the impact of the business disruptions you can’t plan for.
- Offices, services, mercantile, retail and restaurants
- Small Commercial, “Main Street” mixed mercantile/habitational
- Over 75 classes
- Larger accounts that do not fit into our BOP program
- Large commercial, habitational risks, apartment buildings, mixed mercantile/ habitational
- Landlords exceeding four tenants, restaurants, liquor liability (25 percent of receipts)
- Small artisan contractors, independent contractors (No general contractors)
- Residential and/or light commercial work; 12 total classes
Property Coverage
- Basic, Broad & Special Forms
- Building
- Business Personal Property
- Tenants Improvements & Betterments
- Business Income & Expense
- Loss of Rents
- Additional Property Extensions
- Ordinance & Law
- Equipment Breakdown
- Data Breach Coverage
- Inland Marine – scheduled high value equipment
Liability Coverage
- Business General Liability
- Owners, Landlords & Tenants
- Bodily Injury & Property Damage
- Products and Completed Operations
- Fire Legal
- Additional Insured Endorsements
- Hired & Non-owned Auto
- Contractor’s Liability
Commercial Risk Written
- Retail
- Wholesale
- Service
- Professional (specific classes)
- Small Contractors (specific classes)
General Commercial Guidelines
- New business ventures are eligible
- Older buildings must have major systems updates within last 25 years
- Mixed Mercantile & Apartments, Apartments, Strip Malls, LRO, Larger commercial or apartment buildings up to $10M - $12M building value per building. Accounts with larger property schedules are possible with sufficient time
- Small Contractors (up to $500,000 sales/3 employees, NO General Contractors)