IMT Insurance | Commercial Products

BOP's
The Businessowners Special Policy offers property and liability coverage for small to mid-size businesses under one ownership. Coverage is provided for risks of direct physical loss or damage to business buildings and business personal property unless specifically excluded. Commercial liability coverage is included.
Professional Liability - Barbers, Beauticians, Funeral Directors, Hearing Aide Establishments, Optical Establishments, Pharmacist and Veterinarians.

For a free brochure, please click here.

For help regarding EPL (Employment Practices Liability), click here.

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PAKS
Convenient ways to write specialized programs on a BOP policy for the following exposures:
Par Pak - Golf Courses
Grocery Pak - Grocery Stores
Vet Pak - Veterinarians
Auto Kleen Pak - Car Washes
Storage Pak - Mini Storage Units
Convenience Pak - Convenience Stores
Office Pak

For a free brochure, please click here.

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COMMERCIAL FIRE/GENERAL LIABILITY - PACKAGES
Many of your risks fall outside our PAK lines so we are looking to write them on a CPP Package.
For help regarding EPL (Employment Practices Liability), click here.

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ARTISANS
The Contractors Special policy offers liability, property and other coverages for small to medium sized trade contractors. The following is a description of the coverages provided by the Contractors Special Policy.
Contractors Special Policy
Includes commercial liability coverage and provides optional property coverage against all physical losses, with certain exceptions, for property on premises, loss of income, and $5000 of business personal property - off premises.

IMT specializes in the small contractors.

For a free brochure, please click here.

For help regarding EPL (Employment Practices Liability), click here.

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WORKERS COMPENSATION
Workers compensation coverage is written in conjunction with personal or general liability coverage. When applying for workers compensation, the applicant should have liability coverage in the same name already in force, be applying for it at the same time, or have promised the liability be submitted within a reasonable length of time.
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COMMERCIAL AUTO
Commercial autos of all types, including fleets, are to be covered under a Commercial Auto Policy. The policy is designed to provide both liability and physical damage coverages. Other coverages, such as medical payments and uninsured motorists are available.
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COMMERCIAL UMBRELLA
The Commercial Umbrella policy provides liability protection for losses in excess of an insured's underlying primary liability policies. In addition, the policy affords a similar limit of liability for exposures not covered under the insured's primary policies, but covered by the umbrella, subject to the insured's self insured retention (or deductible) and will provide automatic replacement coverage for underlying policies which are reduced or exhausted by a loss.
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