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Commercial Insurance: Overview

Island Insurance Companies' Commercial Insurance Division works closely with your Independent Insurance Agent to provide a comprehensive range of products and services designed to protect your business and employees. The Division's professionals have the technical expertise and industry experience to provide a commercial insurance program customized for you and your company's specific needs.

Island Insurance recently introduced Employment Practices Liability (EPL) Insurance to help businesses manage the risk of employment-related lawsuits such as discrimination, wrongful termination and sexual harassment. And for small and mid-sized businesses looking to enhance their commercial property coverage, Island's new Cover ChoiceSM option provides a $250,000 combined blanket limit of insurance and consolidates several attachments into one form.

For specific information on the following topics, click on the appropriate links:

Current commercial insurance products and services include:

Loss Control
Island's team of Loss Control Representatives work to assist customers to be proactive in their safety management efforts as well as address operational exposures across various lines of insurance.

Premium Audit
The focus of Island's Premium Audit Department is to determine proper exposure and verify classifications assigned to auditable commercial policies, to ensure fair and equitable premiums are being charged.

Additionally, the Commercial Insurance Division's Surety Department provides performance and payment bonds for contractor clients. Bonds are provided on public works and private projects, as well as for non-contract accounts. Other bond types include:

For more information about Island Insurance Companies' Commercial Insurance products and services, please contact your Independent Insurance Agent.