Commercial Insurance

At Kirby Insurance we strongly believe in providing personalized service. With our many years of expertise and broad range of insurance solutions, we make sure you get the coverage you need for the best possible price.

Commercial insurance is much more complicated than residential coverage because, for the most part, industry-specific risk coverage packages do not exist. The majority of commercial insurance policies, therefore, have to be tailored to the specific needs of the client. There are so many different types of businesses located in such a variety of areas and structures that such individual attention is time consuming and costly, which has led to a drastic increase in the minimum policy premium.

Industry-specific packages have so far been developed only for retail outlets, strict office environments and small sub-trades. More package policies are now in development, however, because they are much easier to rate and underwrite and provide broader benefits to the policy holder.

 

 

 

There has been such an explosion of home-based businesses that insurance carriers have responded by developing home-based business coverages which have lower minimum policy premiums. They cover:

 

 

 

  • small & midsize business packages;
  • large commercial custom accounts;
  • USA and worldwide coverage;
  • apartment buildings;
  • course of constructions;
  • bonding;
  • errors and omissions/professional liability;
  • medical malpractice;
  • event liability; and
  • directors & officers.

Please contact us for a complete review of your commercial insurance needs.