BUSINESS INSURANCE

BUILDING AND BUSINESS PERSONAL PROPERTY

Designed to cover direct physical damage or loss to commercial property and its contents which can include desk, chairs, equipment, fixture, furniture etc.
BUSINESS INTERRUPTION

Business interruption insurance compensates the named insured, for lost income due to damages covered under the policy. Covered perils include, but are not limited to, theft, fire, wind, falling objects and lightning.
CONDOMINIUM

A condominium association policy typically provides coverage for areas of common ownership within the condominium complex, including hallways, sidewalks, clubhouse, swimming pool and for building equipment, such as elevators.
COMMERCIAL FLOOD

Flood insurance covers damage to your building and contents caused by flooding. This includes losses resulting from overflowing of inland or tidal water, accumulation of water from any source, or other similar causes. Flood coverage may be added as an endorsement or purchased as a stand-alone policy.
BUILDERS RISK

Designed to cover commercial property structures against covered perils like fire, theft, etc., while they are under construction or being remodeled or renovated.

GENERAL LIABILITY

This coverage can protect the insured from a variety of claims for bodily injury and property damage, arising out of premises, operations, products, and completed operations; and advertising and personal injury.
PROFESSIONAL LIABILITY

Professional Liability insurance offers protection in the event of a liability claim brought against professionals as a result of errors and omissions in performing their services.
EMPLOYMENT PRACTICE LIABILITY INSURANCE (EPLI)

This type of liability coverage protects businesses from wrongful employment processes such as, wrongful termination, discrimination, sexual harassment and retaliation.
LIQUOR LIABILITY

This coverage protects businesses that serve, sell, distribute, manufacture or supply alcoholic beverages from loss and damages resulting from an intoxicated individual injuring himself or others.
CYBER LIABILITY

Cyber liability insurance is designed to cover businesses for a variety of both liability and property losses that may result when a business engages in activities that may lead to a data breach and/or cyber-attack.

TRUCKING

Commercial truck insurance is a policy designed for a business or an owner-operating a pickup truck, tow truck, dump trucks, etc. Available coverage includes liability, trailer interchange, and physical damage for the truck; other coverage may be added by endorsement.
MOTOR TRUCK CARGO

Cargo insurance provides coverage for damage to property while being transported by a common carrier or on the insured’s own vehicles, depending on the form used.
COMMERCIAL AUTO

Commercial auto insurance covers business and/or individuals while using vehicles for business purposes. Available coverage may include Physical Damage to the insured’s vehicle as well as Liability (Property Damage and Bodily Injury) Other coverage may be available by endorsement.

EPLI

Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company.

BUSINESSOWNER POLICY (BOP)

A Businessowner policy is a package policy that provides both property and liability coverage for eligible small and medium size businesses.
NON-PROFIT

This type of insurance policy and coverage are designed to cover Non-Profit business from the different risk exposure they face ranging from Liability, Property and effective management through Directors and Officers coverage. Additional coverage and endorsements may be added to the policy to protect against other related exposures.
SPECIAL EVENTS

Special Events insurance covers the sponsor of public or private events for unexpected occurrences, such as property or liability damage claims and/or event cancellation.
DIRECTORS AND OFFICERS (D&O)

Directors and Officers insurance helps protecting executives, directors, and even senior managers while servicing on a board of directors, in the event of a claim made against them for their failure to perform management functions that may have led to adverse financial consequences.
INLAND MARINE

This policy covers property in transit over land, certain types of moveable property, contractors equipment, instrumentalities of transportation and/or communication, such as bridges, roads, television and radio towers, etc., and legal liability exposures of bailees. These coverages are often excluded from basic Commercial Property policies.