BUSINESS INSURANCE
You've invested a lot of time and effort into building your business. That's why it's important to protect it against accidental financial loss. Your insurance needs are diverse. We can help to show you a variety of options and you can choose the coverage that is best for you and your business.
Business Property and Loss of Income
- Building at replacement cost
- Contents at replacement cost
- Stock at market cost or actual cash value
- Loss of income (may include payroll if required)
- Extra expenses required to resume operations
- Valuable papers and records
- Accounts receivable
- 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
A Company
- Who and / or what business
- 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 / exposure
- Loss or claim history
- Previous insurance details
- Coverage requirement
Many small businesses have similar requirement in coverage. This is designed to suit the average and general Offices, Retailers, Contractors, Building Owners. The package will include coverage for Business Contents or Building, Business Interruption (income or rents), Crime, Liability. Eligibility can be determined by completing a simple application form.
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.
A course of construction policy offering coverage from commencement of work till the building is ready for occupancy.
Information required for rating includes:
- The type of work involved
- The builder's experience
- Track record of the contractor(s) and subtrades
- The nature and value of the project
- The duration
- The adjacent exposures and geographical location
- The security measure taken at the site
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