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At Excel & Y, we can provide insurance for your commercial residential, non-mercantile, mercantile, manufacturing, and industrial buildings or condominiums. We have access to a wide variety of insurance partners that provide excellent coverage, offer their own unique rates and take into consideration all aspects of your operation.
In addition to building insurance for insured perils such as fire, lightning, explosion, smoke, falling object, riot, wind, hail, vandalism or malicious acts, we can offer sewer backup, flood and earthquake insurance.
Equipment includes furniture, fittings, machinery, tools and other appliances found at your business location that are not held for sale. Equipment also includes any tenant's improvements which are alterations or betterments made at your expense to your building or rented space. Equipment can be covered under an actual cash value or replacement cost basis.
Stock is basically your merchandise of every description usual to your business including advertising materials. This can only be covered on an actual cash value basis.
From hand-held and power tools to backhoes and loaders, your equipment and tools are the heart of your business. Standard commercial insurance will not cover your tools and larger equipment if they are leaving your shop or if they are used at multiple locations—but we’ve got you covered no matter where your business operates.
This coverage protects an organization against any losses that result from a breakdown of heating, refrigeration, air conditioning equipment, pressure vessels, boilers, production machinery, electrical apparatus and/or electronic equipment.
The term boiler and machinery insurance is gradually being replaced with terms such as Equipment Breakdown or Mechanical Breakdown coverage. This insurance provides coverage against the sudden and accidental breakdown of boilers, machinery or equipment, including computer systems and telephones/communication systems. Coverage usually includes reimbursement for property damage, expediting expenses (e.g., express transportation charges), and business interruption losses.
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