What this policy actually covers.
Most commercial policies here are assembled rather than bought. What goes in depends on what the business does and what its contracts demand.
Send us the contract’s insurance paragraph as it is written, not a summary of it. The part nobody noticed is usually the part that costs money.
What you owe a third party for injury or damage arising from the work.
Required by industry and headcount, and the construction trades are held to a stricter threshold.
The building, the contents and the equipment, rated much as a home is.
For the staff who run errands in their own cars, which a personal policy can exclude.
Income lost while you cannot trade, subject to direct physical damage first.
Evidence a contract requires, with the other party named where the wording asks for it.
Who it is for, and what moves the price.
Trades and contractors working across Lee and Collier, storefronts and restaurants, professional offices, and landlords holding commercial property. If a contract or a licensing body has asked you for evidence of coverage, this is the policy that produces it.
The most common reason a business calls is a contract clause it cannot satisfy. Send us the insurance paragraph rather than a summary of it, and we will tell you whether the policy you hold already meets it, what has to change, and whether the additional insured wording being asked for is something a carrier will actually endorse.
What moves it most
What the business does. Class codes group work by hazard, and the same headcount in two trades produces very different numbers.
What surprises people
Storm surge is flood, not wind. A commercial building needs a separate flood policy exactly as a house does.
The honest trade
Higher limits cost more and win work. Contracts frequently dictate them, so the limit is often a commercial decision rather than a risk one.
What we will not do
Issue a certificate the policy does not actually support. If the wording is not endorsed, the certificate is paper.
Contract on your desk?
We will read the insurance clause with you.
Limits per occurrence and in the aggregate, additional insured, primary and non-contributory, waiver of subrogation. Four phrases that decide whether you can start the job.
Send us the clause
