We understand running your business takes your full attention, that’s why SMI has a dedicated team of Commercial Underwriters working with your Broker to understand who you are and what you do. Your job is to concentrate on running your business. Our job is to ensure it stays running if something were to happen.

Contractors Package

Basic Contractors Package Includes:

  • $5,000 Tool Floater
  • $1,000,000 Commercial General Liability – higher limits available
  • Optional Coverages – available for additional premium

 

Deluxe Contractors Package Includes:

  • $25,000 Business Contents
  • $5,000 Tool Floater
  • $10,000 Installation Floater
  • $25,000 Contractors’ Equipment
  • $5,000 Crime
  • Business Interruption – actual loss sustained & extra expenses
  • $1,000,000 Commercial General Liability – higher limits available
  • Enhanced Extensions of Coverage – several included
  • Optional Coverages – available for additional premium

 

Examples of Contractor Package Classifications:

  • Janitorial
  • Building Contractors
  • Electricians
  • Plumbing & Heating
  • Contractors
  • Drywallers
  • Painters
  • Alarm Installers (Residential)
  • Masonry Contractors
  • Landscapers
  • Floor Covering Installers
  • Appliance Repair
  • Siding, Doors & Windows

Business Package

Whether you just purchased your new venture or you’ve spent the time building it from the ground up; using our experience, we’ve come up with coverages designed specifically for your business:

  • Buildings and/or Contents – all risk & replacement cost
  • Business Interruption – actual loss sustained & extra expense
  • $2,500 Crime
  • Enhancement Endorsement
  • $1,000,000 Commercial General Liability – higher limits available
  • Enhanced Extensions of Coverage – several included
  • Optional Coverages – available for additional premium
  • Choice of deductible from $500 to $5,000

 

Packages Available for the Following Operations:

  • Retail/Wholesale Operations
  • Offices
  • Professional Services (hairdressers/barbers, funeral homes, drug stores, veterinarians)

Customized Commercial Policies

Working together with your broker, our team of Commercial Underwriters will use their expertise to provide coverage as unique and specialized as your business. Our commercial policies are individually tailored to suit your business operations:

    • Choice of specific coverages to build a custom policy
    • Choice of deductibles

 

Examples of Businesses Requiring Customized Policies:

  • Garages
  • Restaurants
  • Churches
  • Food Carts
  • Greenhouses
  • Woodworking Operations
  • Welding Shops
* The information described on this page is informational only and does not form part of an insurance contract.  Please contact an SMI broker partner for more information, insurance advice or to receive a quote.