Insurance Coverages

We Provide A Wide Variety of Insurance Coverages To Fit Your Specific Needs

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Commercial Coverages

Protect Your Business

No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Lighthouse Commercial Insurance, Inc. would like to return the favor by giving you the coverage you need to ensure the security of your business. 

At Lighthouse Commercial Insurance, Inc., we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom. 

LIGHTHOUSE COMMERCIAL INSURANCE: A TEAM YOU CAN TRUST.

With over 60 years combined experience in writing commercial coverage in the Tri-State Area, we have the expertise and resources to protect your business.

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Commercial Insurance Coverages

Personal Lines Insurance Coverage

Commercial Coverages

Lighthouse Commercial Insurance Provides a wide variety of coverage by obtaining quotes from many carriers in the tri-state area.

Bonds

Owning a business means taking risks. At Lighthouse Commercial Insurance, Inc., we offer a variety of bond and license services to ensure that your business is protected. While there are many Bonds from which to choose, they can be issued for an extensively wide range of circumstances, and choosing the right bond to suit your needs can be a difficult task.

Business Catastrophe Insurance

Business catastrophe insurance is an additional level of coverage that goes above and beyond the standard business policy most small and medium-sized companies have. As a business owner, you want to be absolutely sure that your investments are protected in case of unforeseen calamity—nobody wants to see all of their hard work destroyed by fire, theft, or anything else. However, every policy has its limits, and if the damage to your business is so severe that it exceeds the limits of your current business or property coverage, you'll be expected to pay the difference yourself.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) from Lighthouse Commercial Insurance, Inc. allows your business to create a customized insurance policy that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs.

Commercial Auto Insurance

To prevent losing your hard-earned revenue due to an auto accident, you’ll want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more. With Commercial Auto Insurance from Lighthouse Commercial Insurance, Inc., we’ll work with you one-on-one to create a customized policy that may include:

Commercial General Liability

Commercial General Liability from Lighthouse Commercial Insurance, Inc. can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages from Lighthouse Commercial Insurance, Inc. include:

Commercial Property Insurance

With a custom Property Insurance policy from Lighthouse Commercial Insurance, Inc., you can ensure that the building itself and the personal property of your business is protected from minor accidents or a major financial loss. Our insurance specialists can help you create a policy that keeps your small-to medium-size business insured from top to bottom by covering such items as:

Commercial Real Estate Insurance

Commercial real estate insurance protects you from losses caused by damage to property assets. Most businesses are vulnerable to the same threats as every other building—fire, flooding, vandalism, or even being struck by a vehicle that goes out of control. Many of these problems are something that cannot be reasonably prevented, making them eligible for coverage that can help repair the building or allow your company to move to a new location.

Commercial Umbrella Insurance

A Commercial Umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing, or underlying, General, Auto, or other business liability policy. It can also insure an incident that occurs outside of your coverage territory.

Crime Insurance

Unfortunately, crime and employee dishonesty can happen. As a business owner, sometimes it’s impossible to know whether the employees you hire are an honest fit for the job, and by the time you discover the truth, the damages can be costly.

Equipment Insurance

Most businesses rely on common or specialized forms of equipment to complete work and create products. You cannot work if your equipment is not working, and equipment that operates poorly can affect the quality of your work. Equipment vital to your business success needs to be protected with insurance.

Errors and Omissions Insurance

Errors and omissions refer to mistakes, negligence, or discrepancies in a business’s accounting records, which can possibly be interpreted as fraud and lead to legal action. Business owners and executives have several legal and financial responsibilities that accompany their roles, and if they fail to fulfill these responsibilities by inaccurately reporting income, errors and omissions insurance will reimburse a business for problems arising from these fiduciary oversights.

Extortion Insurance

Successful or influential people often find themselves in the public eye more often than most, and sometimes certain individuals can attract the attention of criminals who would like to exploit others for their own benefit. Sometimes people will resort to outright extortion, either by threatening to harm you or your family, or by attempting to leverage sensitive information to compel you to comply with their demands.

Fidelity Bonds

A Fidelity Bond from Lighthouse Commercial Insurance, Inc. can indemnify your company in the event of theft. Our coverage options range from the protection of businesses to the security of non-profit and professional organizations. With the right Fidelity Bond, you can cover your assets, including money, personal belongings, computer equipment, supplies, and more. Your business or organization can also cover any employees or volunteers.

Loss Control Insurance

Risk management and loss prevention are crucial when it comes to running a business. Not only is it necessary for you to provide a safe work environment for your employees, it's also important to be prepared in the event an accident occurs in the workplace.

Inland Marine Insurance

Your products and equipment are the backbone of your success as a company. From transported goods and hauled equipment to storage items and even construction tools, it’s important to keep your investments protected. With Inland Marine coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss.

Kidnapping Insurance

n some areas of the world, being kidnapped and held for ransom is a possibility. While kidnapping rarely happens in the United States, it is not unheard of. In parts of the world where terrorist groups operate, however, kidnapping happens more often. If you travel around the world to dangerous areas, consider kidnapping insurance for peace of mind.

Marine Insurance

Marine insurance is meant to provide both inland and ocean marine coverage. When your business transports property, you want that cargo to be covered every step of the way. Marine coverage provides protection throughout the entire transport. Lighthouse Commercial Insurance, Inc. proudly provides businesses of all sizes with the protection they need to run smoothly.

Mechanical Breakdown Insurance

Mechanical breakdown insurance can cover lost income due to mechanical breakdowns that happen in your business, including losses due to faulty machinery and vehicles. It is also important to make sure your insurance covers liability. When a mechanical breakdown occurs with your equipment, an employee or customer could be injured. There are many policies that can be applied to various business risks that involve the possibility for mechanical breakdowns and their effects. Lighthouse Commercial Insurance, Inc. agents are more than happy to speak to you about your options.

Office Insurance

If your office space and the property therein is damaged, office insurance can provide reimbursement for those costs and allow you to continue operating. As a business owner, you want to protect all the hard work you've put into creating a functioning company. A business isn't just the products you put on the shelves—it's your intellectual property, your office space, and your computers and valuable equipment. Problems with any of these elements could result in losses, and that's why having office insurance is so important.

Product Liability Insurance

If your company manufactures or sells any kind of product, it is strongly recommended that you have some form of liability coverage. Even products that are widely regarded as 'safe' can malfunction in a way that causes harm to the user, and defending against a lawsuit is usually expensive enough that many companies (and claimants) prefer to simply settle out of court. Product liability insurance can reimburse you for expenses (including defense costs and settlements) that occurred during this process.

Professional Liability

While it’s important for your business to have general liability coverage for property damage and bodily injury, Lighthouse Commercial Insurance, Inc. recommends adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business from negligent claims made by third parties, or even internal sources.

Ransom Insurance

Kidnapping is rare, but if you ever find yourself in a threatening kidnapping situation, the right assistance is invaluable. Kidnapping insurance can help protect you. In many cases where a ransom is demanded, the only choice you'll have is to take out an enormous loan from a lending institution. Actual paid ransoms tend to be anywhere from several hundred thousand dollars to several million, well beyond the ability of most families to pay out of their own pockets.

Shipping Insurance

When a product leaves your business and is loaded onto a mail truck, what happens next is out of your hands—but in many cases, customers still hold you liable for ensuring that their package arrives safely. Fortunately, shipping insurance is available to fill this coverage gap and protect you when something goes wrong.

Small Business Insurance

Similar to a Business Owner Policy, a small Business Policy combines multiple types of coverage to insure your business.

Small Business Liability Insurance

Small businesses face many of the same risks as larger companies, but don't have the same resources to fall back on if something goes wrong—that's where small business insurance comes in. This policy can reimburse you for certain forms of loss, giving you the time and support you need to get back on your feet and resume your normal operations. This coverage is so important that over 90% of small business see it as a worthwhile investment even when they don't have a lot of cash to spare.

Storage Insurance

When you store something, you want to keep it safe. Most storage locations are safe, but there's always the chance of something going wrong—from a fire that spreads through multiple units to thieves breaking in and looking for valuables to sell, even a well-secured item could be at risk. Storage insurance can help mitigate this risk by providing coverage in case the stored items are damaged or stolen. This coverage is available to both businesses and individuals.

Surety Bonds

Your primary goal as a business owner is to ensure that your operations run smoothly and efficiently on a daily basis. But in special circumstances, the performance of your business may require extra attention that assures an obligee that you, the principal, are performing as promised. At Lighthouse Commercial Insurance, Inc., we specialize in providing bonding services that help to protect the integrity of your business. Our Surety Bond services include writing agreements that guarantee the party requesting the bond that your business will uphold its obligations.

Technology Insurance

Technology is at the core of most modern industries, but like many growth areas, it faces certain risks. Whether you're a major IT corporation or a small business using a single computer to get by, technology insurance can help mitigate your risks and allow you to move forward with confidence. Here's what you need to know about this coverage. First, there is no one-size-fits-all policy for technology. The use of technology by companies is so varied—and the risks are so different—that a universal policy would ultimately cost you far more than needed. To deal with this, Lighthouse Commercial Insurance, Inc. focuses on solutions that are specifically tailored to your company's needs, helping to keep costs low while still providing your business with adequate protection.

Trailer Insurance

We all know how important it is to keep our vehicles insured—in fact, except for New Hampshire, having auto liability coverage is required by state law. However, that car insurance coverage doesn't always extend to trailers being towed behind your vehicle, so trailer insurance can be used to fill this gap.

Transportation Insurance

Transportation insurance covers a wide array of business transportation needs. If you are in the transportation business, you understand the importance of having your vehicles in running condition and protecting yourself from losses caused by accidents and natural disasters. While some companies are in the transportation business, transportation is, for others, only a part of the overall picture of the business. Even companies with minimal transportation needs should invest in insuring both the goods they convey and the means of that conveyance.

Van Insurance

There are many types of van insurance that offer different options depending upon your needs. Lighthouse Commercial Insurance, Inc. agents specialize in many types of commercial insurance and will give you a quote that both provides the coverage your van needs, and is cost effective.