Business Insurance: Package Policies
We understand that business owners have enough to think about, so we’ve taken the guesswork out of choosing the right insurance coverage. We offer coverage packages to meet the specific insurance needs of your business and can customize each insurance plan to meet the individual qualities of your business.
When you purchase one of our commercial policy packages, you’ll automatically receive all risk coverage for your property, loss of income on an actual loss sustained basis, crime, equipment breakdown and general liability coverage with policy limits of $2,000,000.
For ultimate coverage, all of our packages include our Commercial Advantage Endorsement which provides 30 different coverage options such as Extra Expense, Exterior Signs, Glass, Professional Fees, Stock Spoilage, Valuable Papers, Debris Removal, Identity Theft, Installation Floater and more.
At O’Reilly Insurance Ltd, we offer five different types of package policies: Contractors Package, Retailers Package, Business and Professional Services Package, Realty Package, and Express Foods Package.
Our contractors package is specially designed to insure contractors and related service trades such as bricklayers, carpenters, janitorial services, heating and air conditioning contractors, and tile installers. We will provide coverage to protect the physical assets of your business, such as your equipment, tools and materials that are awaiting installation or in transit to a job site. This package provides a bundle of essential coverages that are important to you – the contractor or tradesperson – at an affordable price.
Whether you sell home appliances, books or clothing, our retailers package contains everything you need to keep your successful business running. This package offers all risk property coverage including coverage for stock that may be outside your premises for a sidewalk sale, loss of income from an insured peril, and crimes like burglary, counterfeit money and employee dishonesty.
Business and Professional Services Package
This package is specifically designed for business and professional offices such as accountants, dentists, hair salons, opticians or veterinarians. This package includes all risk coverage for your property, including electronic equipment, loss of income from an insured peril, crime and liability.
We can also offer professional liability coverage for Hair Salons/Barber Shops; Opticians/Audiologists; and Veterinarians.
This package is designed to insure small to medium sized apartments. This package includes all risk property coverage for your building, Loss of income from an insured peril as well as liability coverage. We extend coverage for Roadways, Walkways, Parking Lots and coverage for Master Keys. Coverage for Guaranteed Mortgage Rates is also an offered.
Express Foods Package
Our Express Foods package is designed specifically for fast food restaurants, pizzerias, coffee shops and delicatessens, including take out. Our policy will provide coverage for Stock Spoilage, Loss of income, on an actual loss sustained basis, as well as loss of income resulting from infectious diseases and food poisoning.
Owners of restaurants, catering services or inns can count on protection against loss of earnings due to a food poisoning incident, infectious disease or a loss of your customer base.
Why Choose a Business Insurance Package?
If your business fits into one of these five categories – give us a call today to get a quote on a package policy. These packages are tailored to each of these business classifications with further customization options available. These policies provide a vast amount of coverage – at a very affordable rate.