We know that you cannot outrun your risk, but you can be ready for it. What if a hurricane causes you to lose power to your building and your operations cease, or if a fire severely damages your building? You shouldn’t have to pay for this yourself, and with the right protection, you won’t have to. Our insurance advisors can help you identify gaps in coverage, look for ways to save money, and keep your assets and income protected.
You’ll want to consider commercial earthquake insurance, especially if your business is located near a geological fault line, where many earthquakes tend to occur. Standard commercial earthquake insurance usually covers damage to your building and your business property, such as damaged inventory or equipment.
Each industry has its own set of unique risks and requires specialized insurance to protect what matters most. Our insurance advisors have in-depth knowledge and experience with a variety of industries, including those featured below.
Getting adequate coverage for your brewery can feel overwhelming, but brewery insurance may help take the stress out of the situation. The key is considering options that help cover your specific needs and the risks you face, all while combining elements of liquor liability, property, and business insurance into one simple policy.
All businesses need insurance for their building, business property, and other equipment. Child care centers have additional insurance needs that relate directly to the care they provide and the young population that they serve. Whether you run your business from your home or a commercial building, consider coverage that’s specific to your needs.
As a contractor, you perform work that’s unique to your specialized industry. That also means your business is open to risks that may only be present in your line of work. Securing an insurance policy is one way to cover multiple risks without having to settle for a one-size-fits-all policy that could potentially waste money on coverage you don’t need.
The work you perform has needs particular to the dental industry. In addition to the standard office equipment, your patient rooms contain highly specialized equipment. Items like X-ray machines, dental chairs, lights, sterilization equipment, and more are all quite costly to replace. It’s important to consider an insurance policy that covers the needs of your dental practice.
Garage repair shops face high financial risks simply because of the nature of the business. As useful as standard business insurance policies may be, they aren’t always adequate for the specific risks that a garage repair shop faces. A specialty insurance policy can protect your garage repair shop from potentially devastating financial losses.
Multifamily properties can range from a small duplex to a large apartment complex, and you might own just one building or multiple. Regardless, you’re not just someone’s landlord, you’re a business. You need to protect your investment as the source of income it is. Standard homeowners or business insurance won’t do. You need specialized multifamily property insurance to cover all your bases.
A municipality doesn’t operate like most other businesses. There are multiple properties to consider, including administrative offices, school buildings, and public works, and the risks differ based on the kind of work being done inside, who is visiting, and what types of furniture, machinery, and materials it might contain. It’s vital to keep all this in mind when selecting insurance for your municipality.
No two non-profits are the same, and that’s why you need an insurance policy unique to your organization. Because even though your organization’s goal is to help people, you are still running a business. Consider a non-profit insurance policy that offers coverage for your organization’s unique needs.
There are many different types of businesses in the pet industry. You might own a retail establishment, a non-profit that handles pet adoptions, a training business, a grooming shop, or something else. Whatever services your business offers for pets and their owners, one thing is for certain—you should consider pet business insurance that offers coverage for the unique needs of your operation.
As a restaurant owner, you know the amount of work it takes to run your business on a day-to-day basis. You might also know the statistics about how tough it is to survive and thrive in the restaurant business. But did you know that getting a restaurant insurance policy may help give you a fighting chance by mitigating some of the risks involved in the food industry?
When you run warehouses and logistics, you’re faced with a lot of moving parts. From the inventory you store to your forklifts to your employees, a lot can go wrong in an instant, leaving your business to pick up the financial pieces. That’s why you need to invest in comprehensive warehousing and logistics insurance coverage to protect your business and make sure you’re covered.
The nature of the work you perform poses certain threats to your business as a whole. Through your use of industry-specific tools and materials and because the work happens on the properties of your clients, significant risks exist. That’s why it’s important to secure an insurance policy for your carpenter business.
Whether you’re involved in planning, site and ground preparation, formwork, placement, finishing, or all of the above, your insurance should reflect what you do. Because of the unique work you perform, consider protecting what you’ve built with concrete contractor insurance tailored to your business.
The world is becoming increasingly digital by the day, and that means more and more important data is being stored in servers, the cloud, and other locations, as well as more hackers out there trying to steal that information. As a cyber security contractor, it’s your job to help protect your clients’ data, but who will protect you? That’s where a comprehensive cyber security contractor insurance policy comes in.
No residence or commercial property would be complete without walls, making your line of work invaluable. This highly specialized trade requires significant training, but even highly qualified and experienced individuals face certain risks. For this reason, drywall contractor insurance is important to consider for this unique trade.
Whether your equipment rental business rents out heavy machinery, audio and video equipment, party supplies, tools, or construction equipment, there are a number of risk factors to consider. Securing coverage for your business and the items you rent out is essential to help safeguard what you’ve built.
Whether you focus on broad line distribution or are a specialty distributor of specific niche products like steak, vegetables, or fish, the nature of your business is to get your food from one destination to another. A food distributor insurance policy can help you get coverage while in transit, in storage, and beyond.
Fleet insurance is a convenient way for businesses to cover all of their company-owned cars and trucks with one policy. This makes it more efficient and cost-effective to manage all of your business vehicles. Whether your fleet consists of cars, trucks, vans, SUVs, or other types of automobiles, they may be covered under your policy.
Your funeral home might be a small, family-run business. On the other hand, it might be a larger organization. Either way, there’s no one-size-fits-all policy, and your business has special insurance needs that must be addressed. Helping families and loved ones cope with loss requires your full attention, and having a funeral home insurance policy can protect the business you’ve built.
While the homeowners, condo owners, and renters who are part of your homeowners association have their own insurance policies for their personal belongings and owned properties, homeowners associations (HOAs) are responsible for having insurance for properties owned by the HOA, as well as common areas. Because of the many risks HOAs face, it’s important to have a specialized homeowners association insurance policy in place.
Your home health care business can serve a number of vulnerable populations, including the elderly and the disabled. Regardless of who your patients are, your business is exposed to many risks while providing care to your clients. Because your staff is always on the move, in and out of patients’ homes, your business needs specific home health care business insurance.
As an IT contractor, whether you’re helping a business set up a computer network or developing software for a client, people and businesses alike rely on your knowledge of a complex field to help give them access to the digital world. By having an insurance policy in place, you can create a wall of protection for your business from the unexpected.
There are many specialties within the janitorial services industry. While some focus on commercial businesses and offices, others make cleaning homes their niche. Still, others may primarily provide cleaning services for upholstery or carpets. Whatever your company focuses on, you need insurance policies that work for you, not just some off-the-shelf package.
Mechanical contractors can play various roles in the life of a building project, but each one is critical. Whether you’re part of the initial design, production, and installation, or you focus on maintenance and repair, the work is vital. It’s important to protect your business with an insurance policy that addresses your needs.
Every mobile home park is different, as are the types of coverage options, which are comparable to the policies that landlords need. You are responsible for your property and for the people who live there, so it’s important to consider mobile home park insurance to safeguard your business and investment.
As a professional moving company, your clients put their trust in you and their personal belongings in your care. And while the things you move from place to place might be different every time, the risks remain the same. That’s why you should consider a moving company insurance policy to help protect your business.
Businesses of all types rely on office buildings for their day-to-day operations. As the owner of an office building, you have a responsibility for your building, as well as to the businesses that rent out office space on your property. Because of this, you should consider an office building insurance policy built to cover your property and the risks of being a landlord.
As a real estate developer, your business is exposed to risk at every step of the process. From buying the land to building on your property to selling the units, there’s always a moment when something could go wrong. With all of these unique risk factors, it’s important to have the right coverage in place to keep your developments on track.
If you invest in real estate, getting the right insurance coverage is a vital way to help protect that investment, although there are several risks to take into account. Understanding those risks can help you determine which insurance coverage options you need for continued success and protection from the unexpected.