Why RI?

When Commercial customers ask why they should use Royle Insurance, we have a simple answer: The Six C’s

1. Convenience … 2. Choice … 3. Coverage … 4. Customer Service … 5. Claims … 6.Cost

This means making it easy to do business with us while offering a wide range of options for the best coverages for your budget … and doing so with superior service and a hassle-free efficient claims process.

We have performed extensive due diligence and a rigorous vetting process to find the right insurance partners who can deliver the excellence we demand – and you deserve – from the Six Cs. And we have used our many years in conducting thousands of customer transactions to continually ensure that they do so every day.

Insurance is about minimizing your risks. So why take risks in choosing an insurance agency and its products? Why take chances when you can have the peace of mind Royle Insurance provides? Why not let us show you how RI offers the best ROI for your Commercial Insurance needs?

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What is it?

The most common types of commercial insurance cover property, liability and workers’ compensation. Generally, property insurance covers damages to your business property; liability insurance covers damages to third parties; and workers’ compensation insurance covers on-the-job injuries to your employees. Depending on the size and nature of your business, you may need to consider adding other specialized coverages.

Primary Commercial Policies We Offer:

General Liability Policy – Protects you, your business and your employees from claims involving bodily injury or property damage, up to the limits of your policy. Covers costs if someone is injured at your business or from using your product or service.

Business Owners Policy (BOP) – Is an all-inclusive policy package policy designed for small businesses. It includes both commercial property and general liability coverages.

Commercial Package Policy (CPP) – Includes a variation of general liability, property, excess liability, auto, and bonds. This type of policy is similar to Business Owner Policies (BOP) but it allows for ‘a la carte’ selection of the policies that fit your needs the most.

Commercial Auto (Business Vehicle and Fleet) – Covers vehicles (cars, vans, trucks and trailers) owned and used by your business. The coverage will reimburse you if your vehicles are damaged or stolen or if the driver injures a person or property.

Garage Policy – Is an umbrella policy for the automotive industry that adds a layer of protection to the business’ general liability policy. Automobile dealerships, tow-truck operators, service stations and repair shops add garage liability to their business liability coverage. The policy protects property damage and bodily injury resulting from operations not covered under most commercial liability insurance. Coverage includes injuries to customers while on the business premises up to the chosen limits of the policy.

Workers Compensation – Covers employee on-the-job injuries. Businesses with employees are required by various state laws to carry some type of workers’ compensation insurance.

Commercial Umbrella – An umbrella is a type of liability policy. It supplements and expands coverage of your assets by above the coverage from your primary general liability policy. If you have purchased commercial auto liability and/or employers liability coverage, your umbrella policy should include those coverages as well.

Inland Marine – Covers the transport of goods over water and land, providing comprehensive protection for assets that are moveable or mobile in nature, while in transit—such as from a warehouse to a store—or in storage.

Directors and Officers – Generally purchased by corporations and nonprofit organizations to cover the costs of lawsuits against directors and officers.

Specialty Coverages For The Most Unique Commercial Needs:

  • Accounts Receivable
  • Auto Keepers
  • Breakage
  • Builders Risk
  • Building Ordinance or Law
  • Business Interruption
  • Business Malpractice Insurance
  • Check, Credit, Debit, or Charge Card Forgery or Alteration
  • Computer Fraud
  • Contingent Business Interruption
  • Contractors Equipment
  • Data Breach Liability
  • Electronic Data Processing
  • Employee Benefits
  • Employee Dishonesty
  • Equipment/Mechanical/Electrical Breakdown
  • Errors & Omissions
  • Employment Practices Liability
  • False Pretense
  • Fellow Employee Liability
  • Fine Arts
  • Green Upgrade Coverage
  • Identity Recovery
  • Income Protection
  • Income Protection - Off-Premises Utility Properties Failure
  • Installation Coverage
  • Limited Employers Liability Coverage (stop-gap)
  • Money and Securities
  • Money Orders and Counterfeit Paper
  • Motor Truck Cargo
  • Pollution Liability
  • Sewer and Drain Back Up
  • Signs, Lights and Clocks
  • Tenant’s Insurance
  • Tools
  • Transportation
  • Utility Properties - Direct Damage
  • Voluntary Property Damage Liability

Business that Typically Purchase:

  • Auto Repair
  • Beauty Salons
  • Builders Risk for buildings under construction
  • Contractors
  • Convenience Store
  • Distributors/Wholesalers
  • Gas Stations, Offices
  • Hotel/Motel, Clubs
  • Lessors Risk for Building Owners
  • Machine Shops
  • Non Profit organizations
  • Pet Services
  • Restaurants
  • Retailers
  • Warehouse

For More Information:
Phone: 440-279-4111
Email: [email protected]
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