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P&C OPTIONS
HELPING THE WORLD...ONE COVERAGE AT A TIME
COMMERCIAL PROPERTY
Commercial Property Insurance protects an independent contractor’s physical assets and income from unexpected events, such as: building, contents, loss of income, fire explosions, burst pipes, storms, theft, and vandalism. You can also add earthquakes and floods as well.
PROPERTY
COMMERCIAL AUTO
Commercial Auto Insurance (aka: Commercial Car, Truck, or Fleet Insurance) covers a variety of damages and liabilities for vehicles used for business purposes, such as: Physical damage, Liability, Medical Expenses, Uninsured & Underinsured motorist coverage, Rental car coverage, and Roadside Assistance for Independent Contractors.
PROPERTY
EQUIPMENT BREAKDOWN
Equipment Breakdown Insurance, also known as Boiler Insurance (BM), for independent contracts, covers damages caused by internal forces, such as: Power surges, Electrical shorts, Mechanical breakdowns, motor burnouts, or operator errors, Mechanical equipment, Electric equipment, HVAC & refrigeration systems, Computers & communication equipment, Home appliances, Home security & entertainment systems. It also covers additional expenses, such as lost income or the cost of replacing spoiled stock. Note: to have software covered, you need to add cyber liability. Normal wear and tear and damage from neglect and poor maintenance, septic systems, water wells, heating and cooling systems, or irrigation systems are not covered.
PROPERTY
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