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Pixel Group Commercial Insurance

From trucks to workers’ compensation, professional liability to special risks, we do it all. We know the industries in which our clients work, and that means we can provide them the exact coverage for their unique circumstances.  With all the best insurance companies at our disposal, we can always give you more coverage for less money–and, most important, the right coverage for your needs. 

The commercial client needs a professional, experienced, personal agent, someone who can assist whenever there is a need.  The most reliable insurers at the best rates with unsurpassed personal service–this has been our formula for success.  

If you are new to insurance these resources might help

What is commercial Insurance?

 It includes coverage for business-use passenger vehicles and trucks, workers’ compensation, professional liability–about every risk to a business imaginable.  It protects businesses against financial losses caused by accidents, lawsuits, natural disasters, and other adversities.

Breaking Down Commercial Lines Insurance

Commercial lines insurance include products, such as commercial auto insurance, workers compensation insurance, federal flood insurance, aircraft insurance, ocean marine insurance, and medical malpractice insurance. Commercial lines protect businesses against potentially devastating financial losses caused by accidents, lawsuits, natural disasters, and other adverse events.

Available coverage and premium costs vary by business type, size, and location. In 2013, the five largest issuers of commercial lines, as measured by the amount of premiums written, were American International Group (AIG), Travelers, Liberty Mutual, Zurich Insurance Group and ACE Ltd. None of these companies had an especially large market share.

While all commercial lines share some similarities, each policy will be tailored for the type of business being covered and the client’s unique needs. Suppose a structural engineering firm needs professional liability insurance. An insurance policy could protect the company against claims of negligence in creating a building’s plans, performing inspections, and supervising construction, as well as against claims of failure to render professional services.

The firm could purchase general coverage as well as specific, additional coverage for each project, plus coverage for punitive damages.

Commercial lines aren’t just for large corporations. Even a small, home-based business might need one or more commercial lines because homeowners insurance provides limited or no insurance for business activities.

For example, a home business might need commercial auto insurance for a company-owned delivery vehicle, workers compensation insurance for the employee who drives the vehicle, property insurance to cover business goods stolen from the home or vehicle and liability insurance to protect against claims by any client who claims the business’s product harmed them.

Debris Removal Insurance: This insurance covers the cost of removing debris after a catastrophic event, such as a fire burning a building down. Before rebuilding, the remains of the old building must be removed. Property insurance alone typically won’t cover the costs of removing the debris.

Builder’s risk insurance: This coverage insures buildings while they are being constructed.

Glass Insurance: Glass insurance covers broken windows in a commercial establishment.

Inland Marine Insurance: This insurance covers property in transit and other people’s property on your premises. For example, this insurance would cover fire-damage to customers’ clothing from a fire at a dry cleaning business.

Business Interruption Insurance: This insurance covers lost income and expenses resulting from property damage or loss. For example, if a fire forces you to close your doors for two months, this insurance would reimburse you for salaries, taxes, rents, and net profits that would have been earned during the two-month period.

Michael Cobzac
Michael Cobzac
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I bought a new car, explored a lot of insurance agencies through the Internet, and honestly I was confused and did not know which one to choose. So, I asked for information to my friends. Fortunately, one of my closest friends suggested me to apply to Pixel Insurance, and they offered me an affordable price. I was surprised that they speak my native language. So, with my positive experience with them, I would recommend them to my friends too.
Alina G
Alina G
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I had a great experience with the insurance agent from Pixel Insurance. I reached them a few days prior to my renewal and they were able to provide even a better price in comparison to the previous company. I received a quote within a few hours for my personal car insurance and even acquired the renter's insurance for a very affordable.
Ciprian M.
Ciprian M.
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Amazing company. Soltan took my info and asked me what I'm looking for and from here she went far and behind looking for the best solution, keeping me informed at my alternatives in order to get a better deal. Thanks

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