Types of business liability insurance coverage
Just like building a business an effective insurance program is done in steps.
A good first step is working with an agent to put together the right business owner’s insurance policy for the unique challenges facing your business. Find the right commercial business line right for your company listed below then give us a call for a quote.
Our artisan contractor coverage is a broad, comprehensive program for special trade contractors. It offers expanded coverage to meet the specialized needs of those involved in two major segments of the construction industry: artisan contractors and service providers.
Artisan contractors Service providers
Appliance installation
Plumbers
Electricians
Heating and air conditioning
Painters
Floor covering installation
|
Landscape gardeners
Janitorial services
Carpet cleaners |
Automotive Trades coverage
Whether you own a new or used dealership, a repair garage or a chain of transmission
Shop’s we have an affordable plan customized to meet the specialized needs of your auto sales and/or services business.
Automotive Trades coverage is available for:
Body shops
Repair garages
Auto Dealerships
Quick-lube oil change outlets
|
Transmission shops
Muffler shops
Auto glass shops
Gasoline service stations
|
Commercial Real Estate coverage
Our commercial real estate coverage provides a comprehensive program to property
Owners who lease or rent building space used for offices, services businesses, retail stores, light industrial or light manufacturing. Parking areas may be included in the coverage if used by the building occupant and customers.
We offer coverage for:
Office buildings
Retail shopping centers
Buildings used for manufacturing, industrial, assembly
Processing or service buildings
Private commercial warehouse
Mixed occupancies: office, retail, light manufacturing, industrial, assembly, processing or service buildings.
Habitational coverage
Apartment and condominium owners have special needs when it comes to finding
Comprehensive insurance coverage designed for multi-family housing units. Our
Habitational coverage safeguards your assets plus offers options such as liability protection for condominium association members and loss of rental income for apartment owners.
Coverage options include:
Master Key
Expanded Directors and Officers Liability (condominium)
Business Income (apartment).
Manufacturing Coverage
Our Manufacturing coverage is a comprehensive program to meet the special needs of business owners engaged in the mechanical or chemical transformation of materials into new products. It is available for the following five types of manufacturers.
Food manufacturers and processors
Diary products
Fruit and vegetable products
Candy, confectionery
Plastics and rubber products
Plumbing fixtures
Bottles and containers
Office equipment manufactures
Disc drives
Optical storage machines
Calculating machines
General office equipment
Metal working and metal products fabricators
Fasteners, bolts, nuts, screws, washers
Flatware
Pipes, metal tubes, fixtures
Audio, video and communications equipment fabricators
Household audio visual equipment
Telephone equipment
Electronic components and accessories
Restaurant coverage
Today’s restaurant environment is more complex than ever and you want to know you’re covered for the unexpected occurrence. Our All-in-One Restaurant Package includes Business Liability, Property and Crime coverage’s designed to meet your needs. Whether your restaurant is elegant, trendy, traditional, ethnic or homestyle we have the package for you. We specialize in providing insurance for the following types of restaurants:
Buffets Delis
Cafes Diners
Cafeterias Drive-ins
Carry-out restaurants Fast-food
Coffee shops Food bars
Fine dining restaurants Family-style
Luncheonettes Sandwich shops
Retail/Service coverage
The fastest-growing business segment in the United States is retailers and service companies. Every day millions of these businesses provide a place for consumers to purchase retail goods or find services. Each one of these businesses has special needs when it comes to finding the right insurance program. That’s why our Retail/Service offers a package of coverage’s designed to meet the special insurance needs of the businesses listed below.
Printer and copier stores
Hardware and home improvement stores
Food stores
Retail stores
Offices
Dry cleaners
Repair shops (other than auto)
Wholesale/distribution
As a wholesaler or distributor, you have unique needs. We specialize in providing your business with carefully packaged coverage that delivers the goods no matter what kind of goods you deliver. We specialize in the following categories of business:
Beverage distributors
Motor vehicle supplies, wholesalers-new parts
Office equipment dealers
Hardware wholesalers
Food and food products distributors
Building service equipment:
Plumbing
Heating and air conditioning
Electrical equipment and supplies
|
