COMMERCIAL INSURANCE

The B & G Group is committed to helping our clients protect their businesses and we work with all types and sizes.  It’s clear that businesses face diverse and constantly changing coverage needs. We conduct a thorough review of our clients operations to understand their unique exposures to loss. We strive to keep apprised of new product developments and coverage solutions that can improve the protection we offer our clients.  Our focus is to design the most comprehensive and cost-effective insurance programs to address our clients’ various exposures to loss.

Some of the Commercial Insurance coverage’s B&G provides:

  • Property
  • Liability
  • Automobile
  • Crime
  • Workers’ Compensation
  • Ocean and Inland Marine
  • Umbrella
  • Bonds
  • Professional Liability
  • Directors & Officers Liability
  • Employment Related Practices Liability
  • Cyber/Data Breach Liability

Some of the Industries B&G specializes in covering:

  • Real Estate – Residential & Commercial
  • Wholesalers
  • Law Firms and Professional Practices
  • Manufacturers
  • Distributors
  • Retailers
  • Importers
  • Health Care Risks
  • Schools And Colleges
  • Associations and Trade Groups
  • Web Based Businesses
  • High Technology Industries
  • Municipalities
  • Contractors

FAQ's

Replacement cost is the cost to replace damaged property with like kind and quality without taking into account depreciation. Actual cash value is calculated by deducting the amount of depreciation from the replacement cost at the time of loss.

The Each Occurrence Limit is the most an insurance company will pay for bodily injury or property damage as a result of any one occurrence or claim. The Aggregate Limit is the policy’s maximum amount that can be paid during the policy term regardless of the number of claims put forth during the policy period.

Hired Car/Non-Owned Automobile Liability will protect the business interest in the event that any employee uses his or her own vehicle or a rented vehicle for any business purpose and suffers an accident for which you could be held accountable.

Most Employment Related Practices Liability insurance policies (EPLI) do not include coverage for claims made by a third party. Most insurers, for an additional premium, offer an endorsement that would provide the protection for third party related claims.