Commercial Insurance Solutions

As our client, the protection of your business reflects on us. We work tirelessly to make sure that our business protection solutions effectively manage risk while reducing costs for you. Our superior business insurance programs offer standard comprehensive coverage and a variety of customized programs to meet the unique needs of your business.


Our Business Insurance Services

Business Owner Policy

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Bay Harbour Insurance provides coverage solutions for small to medium-sized businesses. Combining items general liability, crime and property insurance into one policy can typically save you money.

Professional Liability /
E and O

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Mistakes happen and as a business owner, you must be prepared to protect your company. Lawsuits against businesses are common and a Professional Liability policy can help keep your day-to-day operations protected should your business be held legally liable.

Workers Compensation

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Your business depends on good employees and their expertise, dedication and hard work. If an employee is injured from a work-related accident they can work and you can have peace of mind - that all are properly protected.

Builder's Risk

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Property insurance that covers the interest of owners, contractors, subcontractors, and others involved in a construction project typically takes the form of a builder's risk policy.

Contractor's Policy

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We offer property and liability insurance policies for contractors including trade craftsmen, handymen and general contractors. New ventures and seasonal businesses are eligible as well as ancillary insurance products such as equipment floaters and builders risk policies. We’ll review both coverage and cost to obtain the most suitable option for your business.

General Liability

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Commercial General Liability can prevent financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. Most medical expenses, settlements, attorney fees, and reimbursements can be covered with the proper policy.

Directors and Officers

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D & O coverage protects individuals and companies against allegations involving breach of fiduciary duty, inadequate disclosure, violation of anti-trust laws, deceptive trade practices, as well as others.

Commercial Auto

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Commercial auto insurance protects your business vehicles and the employees who drive them. Accidents do happen and this type of policy can help insure your products, vehicles, and drivers in the event of vehicle or property damage, legal costs and bodily injury.

Cyber Liability

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Typically specificially excluded from a general liability policy. Bay Harbour offers cyber insurance to help cover liability for a data breach involving sensitive customer information, such as health records, account numbers, credit card numbers and Social Security numbers.

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