Commercial Property & Casualty

Our Commercial property coverages protect for your building and physical assets from losses due to a range of perils. With coverage from Echelon, your business is protected from damage due to fire, storm, hail or a number of other damaging weather events. You’re also covered from loss due to vandalism, or malicious acts. Your broker or agent can recommend the appropriate commercial property coverage to protect the business that you’ve worked so hard to build, and Echelon can package the custom coverage that you need.

Liability Insurance provides you with protection in the event your business is found legally liable for injuries caused to persons, or damage to property, including damage caused by your products.

Included in your commercial liability insurance policy:

• Bodily Injury
• Property Damage
• Personal Injury including slander or libel
• Medical Expenses

Additional coverages are available. For more details on your specific needs; contact an Echelon Insurance broker near you.

This cover can protect you if your business’s boiler cracks, a motor fail after bearings seize, a cooler of food spoils because of an electrical malfunction or a computer shorts out causing lost production. Speak to your insurance broker about including optional Boiler coverage in your insurance policy. Choose from Basic, Broad, or Comprehensive coverage.

Comprehensive Coverage

Under this option it is possible to insure nearly everything mechanical and electrical in small to mid-sized businesses, whether tenanted or owner occupied. This coverage protects the kind of electronic equipment that businesses depend upon most, such as telephone systems, computers, photocopiers, and more. Coverage is also included on equipment used to provide human comfort or services in a building, such boilers, hot water tanks, and air conditioning equipment. To top it off, our Comprehensive package also includes spoilage coverage. Loss of the insured’s perishable goods that spoil as a result of a breakdown is covered to the policy limit, subject to the terms, conditions and exclusions of the policy.

Broad Coverage

This option includes the coverages noted in our Comprehensive package, with the exception of Electronic Equipment and Spoilage Coverage. This option is appropriate for those businesses without Electronic Equipment or Spoilage exposures, subject to the terms, conditions and exclusions of the policy.

Basic Coverage

Our basic package excludes coverage for Air Conditioning and Refrigeration Equipment, Electronic Equipment, and Spoilage. This option is appropriate for businesses that do not have any of the aforementioned exposures, subject to the terms, conditions and exclusions of the policy.

Essential coverage for loss of income and employee wages in the event that an incident suspends your normal business activities. With business interruption coverage, you’ll have peace of mind that your business will be able to withstand an insured loss, such as fire or extensive water damage. Speak to your Echelon insurance broker to determine what coverage is right for your business.

At Echelon, we understand that the digital climate is changing and a threat to your business can happen in an instant or at the click of a mouse. Data breaches can happen to any company, and not properly addressing them can result in the loss of customers, revenues and trust in your company. To help protect your businesses and reputation, Echelon is pleased to now offer Data Compromise coverage to eligible commercial property owners. This coverage can help cover the cost of expenses that your business could be responsible for in the event of a privacy breach. For more information on this coverage, contact your broker today.