Our Commercial Products

Property Insurance

Commercial property insurance protects your company’s physical assets from fire, explosions, burst pipes, storms, theft and vandalism. Earthquakes and floods typically aren’t covered by commercial property insurance, unless those perils are added to the policy.

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Commercial General Liability

Commercial general liability (CGL) is a type of insurance policy that provides coverage to a business for bodily injury, personal injury, and property damage caused by the business's operations or injuries that occur on the business's premises. Coverage also helps protect your business if someone claims it caused bodily injuries or damaged someone else's property.

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Product & Completed Operations

Products & Completed Operations Coverage helps cover liability claims resulting from your business' product or completed operations that were done away from your location. It can help cover claims that your business caused bodily injury or property damage.

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Workers’ Compensation

Provides benefits to employees who get injured or sick from a work-related cause. It also includes disability benefits, missed wage replacement and death benefits. Workers' Compensation also reduces your liability for work-related injuries and illnesses.

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Commercial Umbrella

Offers extra protection to help cover a claim that exceeds the limits of certain liability policies. Umbrella provides extra coverage for the worst-case scenarios that exceed the liability policy limit.

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Commercial Auto

Business Auto insurance policy that applies to autos owned by or used in your business that protects your business against liability for damages caused by accidents involving your business autos and provides certain compensation to occupants of your business autos injured in accidents. Commercial auto insurance includes similar coverages to those on a personal auto policy, but there are some differences.

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BOP policies are enhanced insurance policies that combine general liability insurance and property insurance. Providing most of the property (both direct and indirect), crime, and liability coverages that small and medium-sized businesses require.

What is included in BOP:

General Liability

Covers the most common third-party accidents and lawsuits. That includes client slip-and-fall injuries at your office, accidental damage to client property, and other lawsuits stemming from injuries and property damage.

Property Coverage

Protects business property damage perils you own, lease or rent, including building, equipment, furniture and inventory.

Business Interruption

Business interruption insurance policies automatically included, and typically cover loss of income, rental value, or both. In general, business interruption insurance policies require a direct physical loss or damage to a property caused by a covered peril (i.e. fire, water damage, etc.) for business interruption coverage to apply.

Optional Additional Coverages Endorsement

Hired & Non-Owned Auto

Spoilage (Food spoilage)

Crime

Cyber(Data Breach- Data recovery cost, privacy etc)

Employment Practice Liability Insurance

Utility Services (Direct Damage, and Utility Service –Time Element)

Additional Business Income Interruptions (BIEE)

Professional Insurance

**Please inquire of our professionals for detailed information.

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