COVERAGES INCLUDE
Business Property
Protects you against property damage, theft, or loss.
General Liability
Pays for legal costs and damages if someone gets hurt on your business premises.
Builders Risk
Protects against damage caused by construction materials during a job site accident.
Liquor Liability
If an employee gets intoxicated, hurts someone, or gets sued for serving alcohol to minors, this coverage protects you from the cost of defending against claims.
Business Interruption
Pays if a company is forced to close due to a direct physical loss or damage.
Workers’ Compensation
Provides benefits to employees who are injured on the job or become ill due to exposure at work.
Business Auto
Provides liability protection for any vehicles used in operating your business, including delivery trucks and company cars.
Equipment
Covers valuable equipment that helps run your business such as computers, software, and office machines—if they're not used primarily for personal use—and other items designated by you as eligible.
Cyber Liability
Helps protect businesses from cyber threats by providing coverage for related expenses.
Catering Operations
Can shield your catering company from lawsuits alleging that it injured people or damaged their property.
Why Choose Hotchkiss?
CUSTOMIZED COVERAGE
We’ve been in the business of protecting renters for 50 years, which means we have the experience to provide customized rates and coverage options to fit your needs.
FRIENDLY TEAM OF EXPERTS
Our knowledgeable staff will help you find the best policies for any situation.
MULTIPLE OPTIONS FOR DIFFERENT NEEDS
We have a wide range of coverage options for both personal and commercial properties, so you can choose what makes sense for you.
CONVENIENT CONSULTATIONS
We offer phone or in-person consultations when the timing is right for you.
What is commercial property and casualty insurance?
These are small company insurance policies that are designed to protect against a variety of mishaps, risks, and losses involving property and environments.
What does commercial property and casualty insurance cover?
This insurance covers a wide range of products that defend a company from liability claims involving property and damage.
Is commercial property and casualty insurance required by law?
Many commercial insurance policies are not required by law. However, if you have employees, you might need to buy workers' compensation insurance in accordance with local regulations.
How is the value of commercial property determined for insurance purposes?
Square footage, construction style, and occupancy are a few of the considerations used to calculate a commercial property's replacement value.
How do I file a claim for commercial property and casualty insurance?
Initially, compile evidence and submit a police report (if necessary). Next, report your claim to your insurance agent and evaluate the damage in collaboration with an insurance adjuster.
How do I choose the right commercial property and casualty insurance policy?
The team at Hotchkiss will become thoroughly familiar with your business to help determine and protect against your unique risks.