• Commercial Property Insurance
• Residential Property Insurance

Commercial Property Insurance

Commercial Property Insurance offers specific property coverages, protecting your physical assets and the continuity of your business operations. A properly tailored program will focus on prevention, and in the event of a claim, on helping you restore your business operations in a timely manner. Some of the key coverages include:

Building & Contents Coverage

Building & Contents Coverage protects a business in the event of damage to or destruction of buildings and contents from fire and other causes of loss.

Business Interruption Coverage

Business Interruption Coverage can cover the costs associated with an interruption to your business that occurs when there is a property loss. In addition, it may cover extra expenses to maintain operations and/or replace the business income that is lost while the property is being restored.

Boiler & Machinery Coverage

Boiler & Machinery Coverage protects against the mechanical breakdown of boilers, heating/refrigeration systems and mechanical equipment as wellas the subsequent related business interruption.

Excess Coverage

In most instances, we can offer Excess Property Insurance above the primary limits. Excess Property Insurance is usually subject to a minimum premium and specific underlying coverage limits.

Residential Property Insurance

Residential property insurance, also known as homeowners insurance, provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.