Most insurance companies will insure many different types of businesses. Individual companies, then, will often target certain types of businesses classes.
The targeting of certain types of business classes is good for you, as a consumer. That’s because the insurance companies that target your specific business will often become somewhat of an expert in that class of business. That means that they know what types of risks your business faces and, thus, can create an all-in-one package policy designed to cover those risks. The other advantage is that, being an expert, the insurance company will often get you a great rate too!
For example, Unica Insurance specializes in insuring, among other things, metal manufacturers, wholesalers, and automotive specialty shops.
For metal manufacturers, Unica has created package policies for tool & die shops, auto parts manufacturers, metal mould manufacturers, and metal stamping.
For wholesalers, Unica has created package policies for clothing, draperies, auto parts, housewares, lawn and garden, plumbing and heating supplies, and hardware wholesalers.
For automotive specialty shops, Unica has created package policies for oil change, transmission, brakes, muffler, and auto repair shops.
Here’s an example of some of the coverages included in Unica’s package policy for a metal manufacturing shop. The package can include, aside from the building, equipment, and stock coverage, any of the following:
Coverages for dies, moulds, and patterns
Installation floaters
Courier shipments
Exterior signs
Equipment breakdown
Business interruption
Crime, including losses inside and outside of the premises
Commercial liability, including liability for products and completed operations
And a lot more!
So, if you own a metal manufacturing business, a wholesale business, or a specialty automotive shop, give me a call and I can provide you with a quote through Unica Insurance.
