Commercial Insurance Services
We can accommodate all of your business insurance needs. We are fully committed
to our clients, big or small, sole proprietorships, family-owned firms, and corporations.
We can find the best coverage for your business at a competitive price. And because we are independent we have access to a multitude of markets making it easier to tailor specific coverage to meet your needs.
If your business is in a class that is difficult to place, we work with a number of insurance companies that can accommodate challenging risks.
We offer the following product lines in our Commercial Insurance Department:
General Liability
We can provide coverage against third party liability claims arising from your premises, products, operations, or advertising. Because you have a legal responsibility to pay damages if a third party experiences bodily injury or property damage as a result of your operations or your products, it's important to make sure your liability insurance is created specifically to your circumstances.
We have the knowledge and experience to fully understand your unique liability exposures. We will review your business from all aspects and assess the exposures that could result in a loss.
Comercial Property
We have comprehensive programs that can cover your business property and equipment in case of damage or destruction. Commercial property insurance helps businesses, including farms and ranches, pay to repair or replace buildings, associated structures, and contents damaged or lost because of fire, storms, theft, and other events outlined in the policy.
Comercial Auto Insurance
We can design a casualty insurance program that will avoid gaps and duplication of coverages, while minimizing and preventing sources of loss, and limiting potential claims exposures. We design and manage programs for all of your risk management needs.
Equipment Coverage
Traditionally called boiler and machinery insurance, equipment breakdown coverage is an important coverage for businesses that depend on machinery to get work done.
When equipment breaks down, it can be costly. Accidents can occur through mechanical breakdown, electrical arching, power surges, burning, cracking, bulging, explosion, implosion and centrifugal force; these accidents are all excluded from property policies.
If you are a building owner, or a tenant, Atlantic Pacific Insurance offers equipment breakdown coverage that can help protect you and your business.
Umbrellas
Umbrella policies are designed to provide your business protection against catastrophic losses. Our team can customize an umbrella policy to ensure you have coverage beyond the limits of your General Liability, Business Auto, and Employer's Liability policies.
Surety Bonds
Atlantic Pacific Insurance has specialists on staff in the Construction Industry who provide excellent service to our clients for bonding.
Our knowledgeable staff can assist contracting companies of all sizes. We are able to access various bond markets in order to obtain the bonding that our contractors require.
- Our full line of bonding services, include: Contract Surety Bonds - License/Permits Bonds - Probate/Court Bonds
- Fidelity/Crime Bonds - Miscellaneous Bonds
Directors & Officers
Protects the personal assets of the directors & officers from suits alleging wrongful acts such as negligence, defamation, unfair trade practices, breach of contract and fraud brought by employees, shareholders, customers or suppliers.
Errors and Omissions (E&O) / Professional Liability
Coverage for damages arising out of the insured's negligence, mistakes, or failure to take appropriate action in the performance of business or professional duties.