Essential Coverage
Our Commercial Property Insurance is designed to protect your business's physical assets against a broad range of risks, providing security and peace of mind
What's Covered
Buildings and Structures: Including fixed structures and permanent fittings.
Business Contents: Covering equipment, stock, and other essential business contents.
Employee and Officer Belongings: Optional coverage for personal property on the premises.
Key Benefits
Tailored Protection: Coverage details are specific to your business needs, as outlined on your personalized Declaration Page.
Financial Security: We cover losses exceeding your deductible, ensuring minimal financial impact on your business.
What's Not Covered
Vacant or unoccupied properties for more than 30 days.
Losses from electrical issues not resulting in fire or explosion.
Damages to vehicles, aircraft, and watercraft.
Policy Features:
Co-Insurance: Maintain a level of coverage relative to your property's value for full compensation in case of a loss.
Subrogation Rights: We reserve the right to recover costs from third parties responsible for losses.
Making a Claim is Simple
No Reduction in Coverage: A loss doesn't diminish your coverage amount, meaning you'll have consistent protection.
System Maintenance Alerts: Promptly report any issues with protective systems to maintain continuous coverage.
Peace of Mind:
Clear Definitions: We provide clear definitions for all terms to ensure you fully understand your coverage.
Protect Your Business
Ensure your business's assets are protected with our tailored Commercial Property Insurance.
Safety Tips
Preparing for the Storm: Essential Hurricane Preparedness Tips
September and October are always a good time to make sure you’re ready for when the next storm comes our way. Extreme weather events like hurricanes can disrupt daily life and pose risks to homes, property, and personal safety. By taking steps to prepare in advance, you can reduce the potential impact on your family…
Is your basement at risk of water damage?
“I’ve never had water in my basement before!” – A common sentiment from homeowners, but basements are always at risk of water damage. How to Reduce Your Risk of Basement Flooding: 1. Install a Sump Pump Plug directly into a dedicated electrical outlet (no extension cords). Ensure a backup power source (battery or generator) is…
Smoke Alarms
This information provides essential guidance on how to properly install and maintain smoke alarms for fire safety. Here are the key points: Installation of Smoke Alarms: Place smoke alarms outside every sleeping area, on every level of the home, and at the bottom of the basement stairs. If bedroom doors are closed at night, install…
Heating Your Home Safely
Prevent Injuries and Deaths from Improper Heating Unit Use Deaths and injuries from the careless use and improper installation of heating units can be prevented! Follow these basic rules to avoid the risk of personal injury or property loss. Consult a heating expert to help you choose the safest, most efficient, and economical unit for…
Fire Safety Tips for Students
Are you living away from home for the first time—whether in a residence, shared house, or your own apartment? If so, don’t become a statistic! Every year, accidents or negligence cause 83% of all residential fires, leading to millions of dollars in property damage, burn injuries, and deaths. These tips could save your life: Smoke…
Fire Hazards in the Home
Fire Hazards in the Home FACT: Seven out of ten fires occur in the home. Kitchen Safety Remove pots and pans from burners when not in use to avoid accidentally turning on the wrong burner. Unplug kettles, frying pans, and other small appliances when not in use. Do not hang clothing above the stove to…
