Habitational & Commercial Buildings Insurance

At The Sarrica Group we can assist you through our team of habitational and commercial buildings insurance professionals. We have a dedicated department for real estate investors and understand that each location has its uniqueness.

We strive to help you on all fronts, such as:

Analyze the property profile and designing an insurance program to protect it against the exposures
Or acquiring the requested coverage per the lender minimum requirements.
Create Certificates Of Insurance (COI) and have them ready in the same day
Re-shop the insurance with other carriers if there is any increase on the policy renewal or changes to your business environment/situation.

LIST OF COVERAGES THAT WE CAN OFFER:

General Liability Coverage
This insurance coverage is designed to protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations. Every company needs some form of liability insurance to protect the business from major lawsuits that can arise from a single accident. Ensuring that General Liability Insurance sufficiently covers your business is imperative as legal fees can run into hundreds of thousands of dollars in total expenses.
Commercial Property Coverage
This is a type of commercial coverage that can protect your business's physical assets, including its building, furniture, equipment, inventory, and more. Commercial Property Insurance is used to protect any business property from perils such as fire, theft and natural disaster. It also provides coverage for assets like accounts receivable, computers and lost income for when business operations are suspended due to a covered loss.
Commercial Umbrella Coverage
Important assets can be at risk when commercial enterprises are the target of legal lawsuits. If the cost of a claim exceeds the limits of the named insured's underlying primary insurance policies, then Commercial Umbrella Insurance extends liability coverage limits for an extra layer of insurance to help further safeguard a company's financial assets.
Commercial Flood Insurance
This coverage is designed to help safeguard your company against the expenses that can arise from flood water damage. Commercial flood insurance protects both the physical location of your business along with the material contents and assets located on the premise. This policy will protect your business if your floors, walls, ceilings, equipment, etc. sustained any sort flood water damage.
Commercial Auto Coverage
Commercial Auto Coverage provides coverage for vehicles owned by commercial businesses. Coverage may be more restrictive than personal insurance and premiums are based on usage, industry, and drivers. Companies with fleets of autos, vans, trucks, pick-ups and other heavy vehicles require Business Auto Insurance.
Business Owners Policy
A business owners policy (BOP), combines the protection from significant property and liability risk exposures into one convenient package. A standard business owner policy includes property insurance, business interruption insurance, crime insurance, comprehensive general liability insurance and may consist of flood insurance. Depending on additional risks specific to your business, the policy can be endorsed to add other coverages. The premiums for a Small Business Owner policy is usually less than the total cost of the individual coverages if bought separately and is targeted at small and medium-sized businesses.
Workers' Compensation Coverage
This insurance coverage protects your employees should a job-related injury or sickness occur during employment. Payments are made to the injured party and can consist of medical payments, loss of wages or therapy. Premiums are based upon occupations, classifications, payroll, experience, and State modifications. This coverage is mandatory for all businesses seeking to hire employees under an organization.