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.