Commercial Insurance

Commercial Insurance provides the opportunity to purchase insurance coverage for most commercial risks: property, liability, business auto, inland marine, crime and equipment breakdown.

Business Owner Policy (BOP)

This policy is designed to meet the insurance requirement of small business in the office, store, apartment or residential condominiums, plumbers and limited cooking restaurants among others; however, BOP does not cover business related to autos, bars and banks. It provides coverage for buildings and business personal property.

Business Auto

This policy provides coverage to autos used primarily for business purposes (autos, trucks, trailers and buses and they may be divided into three categories:

Private passenger (autos, utility autos, and utility trailers)
Commercial auto (trucks, commercial and service trailers and semitrailers)
Public auto ( public and livery vehicles, taxis and school buses)

Commercial General Liability (CGL)

The General Liability insurance coverage provides protection against claims of bodily injury or property damage for which your business may be liable. This type of insurance protects you against lawsuits. Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade

Commercial Package (CPP)

Offers multi peril coverage such fire, liability, inland marine, theft and glass among others. The package insurance policy may also cover loss of business income and extra expense resulting from an insured peril. A business insurance package policy generally insures lost or damaged property for replacement value, which means you'll receive a settlement amount sufficient to replace the property without deducting for depreciation. The Property insurance portion of a General Liability and property package policy also covers other people's personal property to the extent that the business owner is legally liable for the damage.

Excess Liability

Excess liability insurance is designed as catastrophic protection to provide very large limits of coverage by any other insurance. It may be purchased to cover personal or commercial property exposures.

Umbrella Liability

This is a popular form of excess liability insurance to cover autos, homes and small watercraft. It provides additional limits, with a combined blanket single limits over the existing liability coverage. When the limits of and existing contract are exhausted, additional coverage is provided by this type of policy.

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