Commercial Insurance Is Our Specialty
Commercial Insurance a large part of who we are and what we do.
We tailor insurance coverage for the specific types of business you engage in. Whether it is insurance for your building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business.
Review the categories below to learn more about our commercial insurance offerings.
Property Insurance – Fire and Other Hazards
Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
Property Insurance may cover two types of property losses:
- Direct losses may be covered when property is lost, stolen, damaged or destroyed.
- Indirect or consequential losses related to direct losses may also be covered.
Casualty Insurance (General Liability)
Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.
Policies provide legal defence and damage coverage for liability arising out of:
- Premises and Operation
- Products/Completed Operations
- Personal and Advertising Injury
- Fire Damage Liability (damage by fire to premises rented to insured)
- Medical Payments
You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.
Commercial Auto Insurance – Including Trucking & Transportation
If it moves, we can insure it!A 3rd Millenium Motto
Commercial Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Commercial Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business.
- Trucking Risks
- Service Risks
- Transportation Risks
Workers Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.
Workers Compensation provides for the payment of four types of benefits:
- Medical benefits
- Income benefits
- Death benefits
- Rehabilitation benefits
A representative can provide you with complete details on Workers Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.