Commercial

Protecting your
business assets
and interests

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
  • Business Owner's Policy

    Covers company-owned buildings and property, replaces income after a loss, and provides liability protection

  • Commercial auto & trucking

    Coverage for your personal automobiles or commercial delivery trucks

  • Commercial Umbrella & Excess Liability

    Covers your business for judgments that are higher than your liability limits on your business policies

  • 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

  • General & Product Liability

    Covers attorney's fees and judgments against the company for damages to a third party

  • Inland & Ocean Marine

    Covers property worldwide while it is in transit on land, sea or air

  • Professional Liability

    Protects the business if its owner or employees give incorrect advice, omit something important or fail to perform the services expected

  • Property

    Covers damage to the company's property

  • Worker's Compensation

    Covers medical costs and lost wages of employees injured while working for the company

  • 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

  • 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

Some of our commercial coverage success stories
  • Case Study

    Commercial Coverage

    Why do you need a certificate of insurance from a subcontractor?

    View Case Study
  • Case Study

    Commercial Coverage

    When interns fight back…

    View Case Study
  • Selected Content

    Commercial Coverage

    5 ways to protect your small business from a cyber attack

    View Article
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.

Featured Resources

View All
  • Useful Link

    Health Compliance

    Compliance and health reform education center

    View Resource
  • Case Study

    Employee Benefits Coverage

    Why every firm needs Employee Benefits Liability…

    View Case Study
  • Case Study

    Personal Coverage

    Bursting pipes did not ruin this family’s summer.

    View Case Study