Commercial Insurance Coverage Options

Industrial Complexes, Office Buildings, Shopping Centers, and Residential Buildings:

  • Property Damage Coverage: Protection against fires, explosions, vandalism, and natural disasters like storms or earthquakes.
  • Business Liability: Covers injuries or damages to third parties occurring on the premises.
  • Equipment and Machinery Breakdown Insurance: Ensures operational continuity in case of equipment malfunctions.
  • Tenant and Landlord Protections: Liability coverage tailored for property owners and rental operations.

Airplanes and Cargo Hangars:

  • Hull and Liability Coverage: Protection for physical damage to aircraft and liability for operations.
  • Hangarkeepers Insurance: Protects owners of hangars from liability for damage to third-party aircraft stored on their premises.
  • Cargo Insurance: Coverage for goods in transit, including high-value items or perishable goods.

Yachts, Cargo Vessels, and Ocean Liners:

  • Hull and Machinery Coverage: Covers physical damages to the ship itself.
  • Protection and Indemnity (P&I) Insurance: Safeguards owners against third-party liabilities like personal injuries or environmental damages.
  • Cargo Coverage: Ensures goods transported by sea are protected against loss or damage during transit.
  • War and Piracy Insurance: Specialized coverage for geopolitical risks and theft at sea.

Construction Cranes, Including High-Risk Skyscraper Cranes:

  • Physical Damage Insurance: Coverage for accidental damage or breakdown of cranes during use.
  • Contractors’ Equipment Insurance: Protects cranes and other heavy machinery used in construction projects.
  • High-Risk Liability: Insurance for potential damages to property or injuries caused by crane operations.

Business Insurance Solutions

General Liability Insurance:

  • Protects against third-party claims of bodily injury, property damage, and advertising injury (e.g., slander).
  • Includes legal fees, settlements, and court-awarded damages.

Commercial Property Insurance:

  • Covers physical assets like buildings, inventory, office furniture, and equipment against damages or losses due to fire, theft, or vandalism.
  • Includes optional riders for natural disasters like floods or earthquakes.

Business Interruption Insurance:

  • Compensates for lost income, rent, utilities, and payroll during periods when the business cannot operate due to a covered peril.
  • Includes contingent business interruption if a supplier or partner’s operations are interrupted.

Professional Liability Insurance (Errors & Omissions):

  • Protects professionals like consultants, architects, and financial advisors against lawsuits alleging negligence, misrepresentation, or failure to deliver services.

Workers’ Compensation Insurance:

  • Required by law in most states, this provides medical expenses, lost wages, and rehabilitation benefits to employees injured at work.
  • Includes employer liability protection against lawsuits related to workplace injuries.

Cyber Liability Insurance:

  • First-party coverage for expenses related to data breaches, ransomware, or other cyberattacks.
  • Third-party coverage for lawsuits resulting from a client’s data being compromised.

Commercial Auto Insurance:

  • Liability and physical damage protection for vehicles used in business operations, including fleet vehicles, delivery vans, and heavy-duty trucks.
  • Includes hired and non-owned auto coverage for vehicles not owned by the business but used for its operations.

Directors and Officers (D&O) Insurance:

  • Protects corporate executives from personal liability arising from decisions or actions taken in their corporate capacity.
  • Covers legal defense costs and damages resulting from lawsuits related to mismanagement, fiduciary duty breaches, or regulatory non-compliance.

Umbrella Insurance:

  • Provides excess liability coverage beyond the limits of general liability, auto, or D&O policies.
  • Ideal for businesses exposed to high-value claims or lawsuits.

Product Liability Insurance:

  • Protects manufacturers, distributors, and retailers against claims of defective products causing injury or damage.
  • Includes coverage for legal defense costs and settlements.

Inland Marine Insurance:

  • Covers goods, tools, and equipment transported over land.
  • Protection for specialized assets like art collections or mobile equipment.

Employment Practices Liability Insurance (EPLI):

  • Covers claims of workplace discrimination, harassment, wrongful termination, or other employment-related issues.

Environmental Liability Insurance:

  • Protects businesses against costs associated with pollution, hazardous material spills, and environmental cleanup.
  • Essential for industries like manufacturing, construction, and transportation.

Luxury Home and High-Value Residential Insurance

Comprehensive Property Coverage:

  • Tailored policies for estates, historical homes, and high-value modern properties.
  • Includes coverage for rare materials, custom designs, and unique architectural features.

Contents and Personal Belongings:

  • Protection for high-value items like fine art, jewelry, wine collections, and antiques.

Natural Disaster Coverage:

  • Policies include earthquake, flood, hurricane, and wildfire protection.

Liability Insurance:

  • High-limit liability coverage for accidents on your property or personal liability claims.
  • Worldwide liability protection for incidents occurring outside the home.

Additional Living Expenses (ALE):

  • Covers temporary relocation and living expenses in case of property damage requiring repairs.

Private Staff Insurance:

  • Covers risks associated with household employees like chefs, nannies, and security personnel.

Identity Theft and Cyber Protection:

  • Includes legal fees and recovery costs associated with identity theft or cyberattacks targeting homeowners.

Security Enhancements:

  • Discounts and additional coverage for homes with advanced security systems and personnel.

Why Work With Rabbi Leiner?

  • Expertise Across Industries: Years of experience crafting solutions for diverse commercial and luxury needs.
  • Cost Efficiency: Get maximum coverage at highly competitive rates.
  • Custom Policies: Tailored for your unique risks and requirements.
  • Quick Quotes: Easy, hassle-free quote process for businesses and homeowners.