Commercial Insurance

Business Insurance

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No two businesses are alike.  Each business has different exposures, needs and risks.  A Barber Shop won't have same needs as a Mechanical Contractor.  

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At The Hartwell Corporation, we believe in tailoring a insurance program that meets your needs and budget, so it works for you.  Together with our partner carriers, we have been successfully meeting the needs of our personal and business customers since 1963.  

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Whether your business is just getting started or you run a large established company, we have the markets, knowledge and experience to find your business an insurance program.

Business Examples

 

Some of the businesses we write include:

• Aviation

• Agriculture

• Architects & Engineers

• Arts & Theaters

• Condo Associations

• Contractors

• Dentists

• Distilleries

• Financial Institutions

• Golf Courses

• Museums

• Mini Storages

• Property Development

• Retail

• Rental Operations

• Restaurants

• Technology

• Vacant Land

• and Many More

Building and Business Personal Property

 

Coverage for Buildings and Business Personal Property (Contents) are usually scheduled to a Property or Business Owners Policy. 

 

A Business Owners Policy combines a Property and General Liability Policy into one. These Business Owners Policies or BOPs can fit many small businesses and offer coverage enhancements that typically have to be added to a standalone Property or General Liability Policy. 

General Liability

The Commercial General Liability policy provides insurance protection needed to pay damages for bodily injury or property damages for which you are legally responsible. The policy also covers accidents occurring on the premises or away from the premises. 

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There are 2 Commercial General Liability coverage forms , Occurrence and Claims-made.  The main difference is the way the claims are handled:

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The Occurrence form covers bodily injury or property damage claims that occur during the policy term, regardless of when the claim is reported.

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The Claims-made policy form only covers claims made against the insured during the policy term. A claim made after the policy expires is not covered by a claims-made policy unless the claim is covered by an extended reporting period.

Workers Compensation

Part 1 of the Workers Compensation or Workers Comp policy covers employees benefits if they are injured or become ill from their employment.  

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These benefits may include:

Medical Care / Treatment

Lost Wages 

Disability Benefits

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Part 2 of the Workers Comp policy provides Employers Liability.  This insurance coverage provides liability coverage for legal costs from an employee or family member bring suit against the business for a on the job injury or illness. 

Business Income & Extra Expense Insurance

 

Property insurance covering the loss of income or extra expense suffered by a business when there is damage to the business premises from a covered cause of loss.  

Commercial Auto

 

The Commercial or Business Auto policy provides protection against legal liability arising out of the ownership, maintenance, or use of any insured automobile.    You can also add coverage for the Physical Damage of the vehicle.  

Professional Liability

 

Insurance against liability resulting from errors and omissions in performing professional services.  

Cyber Insurance

 

Insurance designed to cover either or both the liability and or property losses from a cyber event or attack. 

Pollution Insurance

Liability insurance needed for costs related to pollution on claims for bodily injury, property damage, and cleanup costs.  

Inland or Ocean Marine Insurance

 

Property insurance for certain types of movable property over land or ocean.  

Other Insurance

 

There are many other types of insurance depending on your exposures. These types include but are not limited to:

• Flood

• Earthquake

• Product Recall

• Liquor Liability

• Directors & Officers 

• Employment Practices

• Fiduciary Liability

• and more