Commercial Insurance
Commercial Lines Products and Information
The Peninsula Insurance Company can provide complete insurance coverage for a wide range of businesses such as yours. Our products are provided through independent agents who can custom tailor coverage to give your business the best protection available at competitive rates. We provide a wide range of business insurance products in the states of Delaware, Maryland, New Hampshire, Pennsylvania and Virginia.
As part of our insurance coverage, we provide loss control services to assist the policyholder with municipal and regulatory requirements and to help prevent losses before they happen. We can assist in safety meetings for a fleet of drivers and replacement cost evaluations for your building. Our goal is to reduce your chances of a preventable loss and provide protection for your business from the unforeseen loss.
Our products and services are provided for businesses such as:
- automobile/truck service and repair
- automobile/truck body repair
- truck body installation
- automobile/truck sales
- automobile/truck accessories
- building material dealers
- florists
- food and beverage distributors
- machine shops
- light manufacturing
- retail stores
- towing operations
Your independent agent will assist you in determining what coverage is needed for your complete protection.
Commercial Products Offered
Garage
A variety of coverages can be custom tailored to your needs as an automobile or truck servicing garage.
Custom coverage includes liability for your premises, personal and advertising liability, and liability for products you sell and coverage for customers’ vehicles while located at your shop for damages that result from work that you perform. Coverage is also available for vehicles while being transported.
Coverage can also be provided for automobile and truck sales such as federal odometer law coverage, title errors and omissions and truth in lending. Coverage can also be provided if someone steals a vehicle while on a test drive.
Property and General Liability
A wide range of property coverage is available to provide coverage for your building, business personal property including tools and even property of others. Coverage is available for loss of income and extra expenses that you might incur as a result of a loss. Liability coverage offers protection for the operations of your business including those actions of your employees while conducting your business.
Automobile
Complete coverage for passenger automobiles to heavy trucks, from one vehicle to a fleet of vehicles. Tow trucks and rollbacks can be covered as part of a complete package. Liability limits are available to satisfy regulatory requirements. Specialty coverage is available such as replacement value for funeral vehicles.
Business Owners Coverage
Complete package coverage is available for the small to medium retail based business. Property and liability coverage is combined in one policy that includes loss of receipts and loss of income and extra expense.
Workers Compensation
Protection is available for your employees if accidents occur while working. Coverage is also available for business owners and officers of corporations.
Umbrella
Additional liability coverage is available that will provide protection over and above your business liability coverage and even your workers compensation coverage. Limits up to $4,000,000 are available.
