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Commercial Insurance
Using our expertise, we will find you coverage to protect your business assets at a competitive premium. We have expanded our products over the years to include a full line of commercial insurance for clients in a range of industries. Just a few of our Property & Casualty offerings include insurance for property, liability, excess liability, business income, flood, sexual harassment, wrongful termination, professional liability, employee theft and earthquake—to name just a few. Our firm can tailor a policy to meet your specific needs.
Nearly a century of experience serving the apparel industry has evolved into a thriving insurance practice for importers. We specialize in providing insurance from your product for the manufacturing facilty overseas, to the warehouse in the United States—or wherever it may be in the world. Some examples of the products we insurance are apparel , food and wine, furniture, home goods and toys.
We also provide specialty coverage for clients in the following sectors:
• Apparel
• Financial Firms
• Law Firms
• Importers / Exporters
• Non-Profit Organizations
• Consultants and Professional Services
• Physician offices
• Real estate
• Technology
• ...and more
Commercial clients at Hiram Cohen & Son receive:
- Security of working only with highly rated insurance companies
- Full administration of all policies
- Annual reviews to ensure the right level of protection
Property Insurance
Protecting your property can help you avoid significant financial loss and a disruption in your business. Finding a policy to cover your building, contents, stock and business interruption will help you avoid an interruption in your business in the event you suffer a loss. Since every business is unique, we help our clients address the requirements for their specific environment.
Commercial Liability Insurance
Not only do you need to protect your company against theft and disasters, you need to protect against law suits.
A commercial liability policy can protect against claims from:
• Bodily injury
- To others while on your business premises
- While using your products
• Damage of other people’s property
• Personal injury, such as libel and defamation of character
Excess Liability
In a litigious society, additional liability protection should be considered. Even if you have a general commercial liability insurance policy, it may not cover you completely. Depending on your profession, business or product, you may have additional risk that requires protection. Our team of experts can help you assess your particular situation and provide you with additional coverage against liability losses.
Employment Practices Liability
Employee related lawsuits are a risk to any business, and business owner. Protecting your business against these types of situations can help guard your financial assets. Some of the most common reasons for employee lawsuits are:
• Wrongful termination
• Discrimination of all kind
• Sexual harassment
• Failure to hire
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