Commercial
Protecting your
We understand how hard you have worked to make your business successful, and with your input, we will develop a comprehensive insurance program to meet your specific needs.
With access to a full line of insurance products for clients in a wide range of industries, your coverage can be as unique as your business.
We cover all these, and more
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Business Owner's Policy
Covers company-owned buildings and property, replaces income after a loss, and provides liability protection
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Commercial auto & trucking
Coverage for your personal automobiles or commercial delivery trucks
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Commercial Umbrella & Excess Liability
Covers your business for judgments that are higher than your liability limits on your business policies
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Management liability
Often called Director's and Officer's liability, covers defense costs or other expenses as a result of legal action brought against the entity or company management
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General & Product Liability
Covers attorney's fees and judgments against the company for damages to a third party
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Inland & Ocean Marine
Covers property worldwide while it is in transit on land, sea or air
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Professional Liability
Protects the business if its owner or employees give incorrect advice, omit something important or fail to perform the services expected
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Property
Covers damage to the company's property
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Worker's Compensation
Covers medical costs and lost wages of employees injured while working for the company
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Cyber protection
Covers a company's liability after a data breach. Coverage can include the cost to notify effected individuals, pay for their credit monitoring, the cost of restoring your website or lost sales from having the site down
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Stock Throughput
Designed for companies that import, export, or distribute merchandise. Designed to cover covering merchandise, from raw materials through the finished product, while in transit or at the final destination
Benchmarking to ensure
that you stay on track
Because we have worked in the apparel industry for years, we have the unique ability to compile data from past and present clients.
Claims Review
Our service does not end when your insurance program is in place. Our claims department monitors claims throughout the year and gives you a status so you know how they may effect your future premiums. They are also here to make sure if you do have a claim, that your claim is handled smoothly.
Expertise in the
apparel industry.
Hiram Cohen & Son has specialized in the apparel business since our founding in 1919. Throughout our history, we have gained knowledge beyond that of other brokers understanding of the exposures faced by both domestic manufacturers and importers, and the insurance needed to protect those business.
West Coast relationships
Over the years, as the apparel industry grew on the West Coast, we expanded with it.
Our principal visit the Los Angeles area several times a year to meet face-to-face with our clients. Many of them comment they spend more time with us than their previously local broker.
We can ensure that your product will be protected.
Coming from or going to a manufacturing facility, warehouse, or retail store — wherever in the world they are located. We cover retailers, wholesalers, importer and exporters.