You work hard to build your business and it’s important to protect your assets in the event of unforeseen circumstances. Small business or large, Knox Hutchison Insurance takes the time to understand your operations and build you an insurance package tailored to protect your individual needs and give you piece of mind.
Working with commercial risks is what we do. We provide risk management advice to lower your total cost of risk.
INDUSTRIES KNOX HUTCHISON INSURANCE SERVES
We have comprehensive insurance packages available for all business segments including:
CONTRACTORS & CONSTRUCTION
REAL ESTATE & PROPERTY MANAGEMENT
HOSPITALITY AND TOURISM
ENTERTAINMENT – FILM, TV, MUSIC & MEDIA
COMMUNITY GROUPS & SERVICES
NATURAL RESOURCE BASED INDUSTRIES
SPORTS & LEISURE
COMMON TYPES OF BUSINESS INSURANCE
Commercial General Liability insurance offers protection for your business against claims for bodily injury and property damage to third parties arising from your premises, operations, products and completed operations. It also offers protection for advertising liability and personal injury to third parties, as well as defence costs.
Professional Liability insurance is also known as Errors and Omissions insurance. It is designed to protect you against claims related to your delivery of professional services. Companies that provide professional services to clients are held to higher standards of duty and accountability. Your business may be liable if a client claims financial loss due to an error or omission on your part, or that of an employee. Errors and omissions liability insurance offers coverage beyond the scope of a general liability policy.
Directors and Officers Liability is designed to protect a director or officer of a company for liability resulting from negligence, error, or omission.
PROPERTY – BUILDINGS, CONTENTS AND STOCK
Property policies protect your physical assets that may include:
Equipment & Tools
Equipment Breakdown insurance covers the sudden and accidental physical damage to equipment that requires its repair or replacement. This is often included in your commercial property policy but may need to be added to it.
Business Interruption insurance covers your loss of income and extra expense when your business cannot operate as a result of a covered loss. The coverage you need depends on the kind of business you operate.
Crime insurance helps you to protect your companies assets and can be added to your commercial policy. Important crime coverages include employee dishonesty, loss inside premises, loss outside premises, money orders and counterfeit paper currency, depositors forgery, computer theft and funds transfer fraud.