Our Commercial Insurance Products

Commercial vehicles require more insurance than personal vehicles as they are typically exposed to more risk. Commercial auto insurance can be provided for any vehicle used in the running of your business—company cars, delivery trucks, forklifts, vans, etc.

You can take every precaution possible but as a business you are always liable to a lawsuit or third-party claim. With commercial liability insurance you can relax, safe in the knowledge that you will be covered for any financial liability should you have to mount a legal defense.

No matter the size of your business you need to protect your premises and other physical assets. Commercial property insurance protects you in the event of fire, explosion, burst pipes, storms, theft and vandalism.

More than half of all commercial cybercrime is aimed at small businesses. Hacking, phishing, malware, ransomware… If your business electronically stores any sensitive information such as customer contact details, employee social security numbers, or contract information, the effects of an attack can be devastating. Cybercrime insurance offers coverage for business interruption, income loss, data recovery, payment fraud, legal costs, and more.

As the name suggests D&O Insurance protects the individuals of the company as well as the organization itself in the event that a claim is filed against them while they are acting on behalf of the organization.

Like workers comp, disability insurance provides a portion of income to an employee if they are unable to work because of a disability or illness. However, unlike workers’ comp, the disability or illness will not be sustained while on the clock. There are both short-term and long-term disability insurance policies.

No matter how many or how few employees you may have, Employment Practices Liability Insurance is important as it will protect you should they sue you for any violation of their rights. Such violations include sexual harassment, discrimination, failure to promote, wrongful dismissal, improper management of benefits or compensation, and more.

When you’re running a business a breakdown of equipment is more than just a nuisance—it can cause huge financial hardship. Your physical assets will be covered against damage or theft under your property insurance, but for breakdown problems and any associated cost or loss of earnings you will need additional coverage.

Despite the title, Inland Marine Insurance covers goods and other movable property while being transported overland. It is supplemental to a standard property insurance and will cover more specialized items such as catering equipment, high-tech equipment, and musical instruments.

If your business relies on marine shipping you will need ocean marine insurance. Such coverage protects both goods and personnel while in transit domestically or abroad

Also known as Professional Indemnity or Errors and Omissions insurance, Professional Liability Insurance protects against the financial hardship of a negligence claim and any awarded damages. Typically liability claims focus on a provider’s failure to perform either directly or via their product.

Whenever your organization hosts a special event, extra insurance is required. This will protect you in the event of damage to a venue, should an individual be injured while at the event, or if an event has to be cancelled because of circumstances beyond your control. It can also protect sponsors and service providers.

An umbrella policy provides an extra layer of protection. It tends to be a low-cost policy that picks up the tab if and when you reach the maximum payout of your other individual policies.

Workers comp insurance is vital if you have even one employee. It covers medical expenses, a portion of lost wages should an employee become ill or injured as a result of their job, rehab costs, and even death benefits.