Commercial Insurance

As our client, the success of your business is our top priority. Here at PM Insurance Services we will work with you as a partner to ensure your business risk is managed effectively and where possible, save you money both now and in the future. Our unique approach offers you superior business protection and delivers unparalleled results. From small business owner’s insurance to insurance for large businesses we offer a variety of insurance coverage to meet your needs.

Commercial Insurance For Businesses

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Commercial property insurance - Commercial property insurance protects commercial property from such perils as fire, theft and natural disaster.

Commercial general liability - Insurance coverage for business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.

Commercial umbrella insurance - Commercial umbrella insurance extends liability coverage for an additional layer of insurance to further protect business assets. The umbrella policy serves three purposes: it provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims; it drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims; and it provides protection against some claims not covered by the underlying policies.

Professional liability - Professional liability coverage is designed to protect a professional and their business in the event of a client making a claim against them as a result of non-performance, breach of duty of care or professional negligence.

Workers compensation - This type of coverage provides wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue their employer for the tort of negligence.

Crime insurance - Protection designed to cover merchandise, money or other property loss when a company is victimized by someone perpetrating embezzlement, forgery, robbery, securities theft or another form of business-related crime.