Business Insurance

Insurance needs are diverse. The following is a list of options and you can choose the coverage that is best for you and your business.

Coverage Options

Business Property and Loss of Income

  • Building at replacement cost
  • Contents at replacement cost
  • Stock at market value cost or actual cash value
  • Loss of income (may include payroll if required)
  • Extra expenses required to resume operations
  • Valuable papers and records
  • Accounts receivables
  • Signs
  • Exterior glass
  • Newly acquired locations
  • Data processing system
  • Trees, plants and shrubs
  • Damage to your building caused by theft

Crime and Fidelity

  • Employee dishonesty
  • Loss of money or securities inside and outside your premises
  • Counterfeit money or money orders and depositors’ forgery
  • Audit expenses in the event of a loss

Liability

This insurance protects you in the event your negligence causes injury to another person or damage to their property, or your product causes injury or damage to a third party, plus:

  • Medical expenses
  • Liability from use of non-owned automobiles
  • Personal and advertising injury
  • Your liability as a tenant

Things that determine Price & Coverage Eligibility

  • Who and / or type of ┬ábusiness
  • Risk location – where, description of the property / building, occupancy, adjacent exposures
  • Burglary protection – monitored alarm system, iron bars on windows & doors
  • Sales & payroll figures
  • Off-premises activities
  • Territory of sales
  • Loss or claim history
  • Previous insurance details
  • Coverage requirements

Package Policies

Many small businesses have similar coverage requirements. Package policies are designed for average and general Offices, Retailers, Contractors, Building Owners. The package includes coverage for Business Contents or Building, Business Interruption (income or rents), Crime, Liability. Eligibility can be determined by completing a simple application form.

A-La-Carte or Composite Policies

Your business could be very specialized or it could be more than average. We could help piece an insurance policy together with the necessary coverage suitable for your needs.

BUSINESS INSURANCE QUOTE

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