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Other Commercial Coverages
Some risks need more than the standard package.
Every operation has details that do not fit neatly into four standard policies. Specialty coverages help address equipment, customer property, employment practices, crime, construction, towing, and other industry-specific exposures.
What to understand
How other commercial coverages can fit into a business program.
- Industry-specific property and liability exposures
- Mobile tools, equipment, or property when appropriate coverage applies
- Customer property or specialized operational exposures
- Additional risks addressed by available specialty policies or endorsements
Review considerations
Details worth discussing.
- Inland marine and equipment exposures
- Employment practices, crime, or bond needs
- Builders risk or installation exposures
- Tow operations including On-the-Hook and garagekeepers needs
Other Commercial Coverages FAQs
Business risk deserves specific questions.
What counts as a specialty commercial coverage?
Examples can include inland marine, equipment floaters, EPLI, crime, bonds, builders risk, garagekeepers, On-the-Hook, hired and non-owned auto, and other coverage designed for specific exposures.
How do I know which additional coverages my business needs?
Start with how the business operates: what you own, handle, transport, build, advise on, employ, and contractually promise. Those details help identify the right questions.
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