Business Property Insurance

Building Structures and Contents:
…provides first party insurance protection against losses to Real and Business Personal Property.

Business Interruption:
…provides coverage for loss of business income, including extra expense. Coverage can be tailored to include protection against loss of Rental Income and Business Income from losses resulting from Dependent Properties. 

Boiler & Machinery (Mechanical Breakdown):
…provides protection against loss from accidents to boilers, presser vessels or other machinery / mechanical equipment. Coverage can be provided mono-line or included in property package policy.

• Coverage includes protection on pressure vessels, piping, air-conditioning and refrigerating systems, pumps, compressors, turbines, engines, gears, shaft drives, electrical distribution equipment, and transformers.
• May include protection for business interruption losses.
• Business real and personal property insurance and Boiler & Machinery can be included in one package policy.

Electronic Data Processing (EDP):
…provides stationary and mobile protection against losses to computers, computer programs, data, media, and related equipment such as printers, modems, and external disk drives. EDP insurance can also include time element coverage (extra expense and loss of business income directly related to a covered cause of loss to equipment and software.

Inland Marine:
…covers a wide range of loss exposures whose common link is an element of transportation or communications. Inland Marine coverage can provide important protection against losses to equipment, records or merchandise while both on or off premises and at points between.

Ocean Marine:
…provides protection against physical perils on International shipments by water, land or air.

War and Political Risk Insurance:
Special insurance coverages are becoming available to provide War Risk protection for coverage certain gaps from exclusion soon to be included in standard property insurance forms. War Risk, Confiscation, Hi-Jack, Extortion, Terrorism and Political Risk losses are specialty insurance products to be considered. These insurance products will be custom designed to meet the individual needs of each client.

Kidnap, Ransom & Repatriation Insurance:
…provides specialized insurance designed to cover corporate executives traveling at home or anywhere in the world where such acts may be a peril.

Crime and Employee Dishonesty:
Crime insurance is written to cover losses against burglary, robbery, theft, counterfeit money, destruction, disappearance, and employee dishonesty.

…provides coverage against crimes committed by outsiders, burglars, robbers, and crimes committed by employees.

Coverage may be expanded to include:

• Robbery and Burglary (Inside/Outside)
• Blanket Fidelity Bonds
• Scheduled Position Bonds
• ERISA Bonds (Pension & Welfare Endorsement)
• 3-D Bonds
• Computer Theft

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