Commercial Insurance

Protect your Building and Your Contents

You know how important it is to protect your business from fire. But what about weather-related damage or damage caused by accidents or acts of violence? In addition to basic fire insurance, you can protect your business from:

• Windstorm or hail
• Lightning damage
• Smoke damage or leakage from fire-protection equipment
• Rupture of heating or plumbing system
• Impact by vehicles or aircraft
• Vandalism, malicious acts or riot
• Explosion

Or protect yourself against every eventuality with our comprehensive all-risk coverage.

 

Guaranteed Replacement Cost

Optional Guaranteed Replacement Cost is the best protection for your business. It guarantees your building will be repaired or replaced no matter what the cost.

 

Protect against business interruption

If your building is damaged or destroyed, the suspension of normal business activity could be as devastating as the loss itself. With business interruption coverage you can insure your loss of income, continuing expenses and employee wages.

 

Protect against other losses

There are a wide variety of other options that can protect your property against costly losses, such as:

• accounts receivable
• builder’s risk
• contractor’s equipment
• glass breakage
• Cargo Insurance

 

Protect your boiler and machinery

Many types of machinery, including motors, air conditioning systems and electrical equipment, are not covered by ordinary property insurance if they break down. The same is true for boilers or water heaters and the damage they cause if they crack or explode. Boiler and Machinery coverage will provide you with this protection.

 

Protect against liability claims

Liability insurance protects your financial security if you’re found legally responsible for injuries or damages suffered by someone else. Liability Coverage offers comprehensive protection for your business operations. Some of the extension coverage options available include:

• Personal and advertising injury liability
• Employer’s liability
• Contingent employer’s liability
• Tenant’s legal liability
• Non-owned automobile liability
• Director’s and officer’s liability
• Professional liability
• Rigger’s liability

 

Protect against crime

Crime Coverage can protect your business against employee dishonesty, theft of money or securities, burglary, robbery, forgery and counterfeit currency.

This is a general description of the coverages provided. Actual policy conditions govern. For detailed information and prices please contact us. We can put together a combination of coverage options that’s just right for your business.