What is it

P&C is the nuts and bolts of business-related insurance. It covers your assets against direct physical loss, loss of use, and any resultant loss of income.

How can we help

Even with traditional types of insurance, we are nothing if not thorough.

To deliver the best P&C coverage for your business, we begin with an assessment of the various perils your assets may be exposed to. Next, through the application of our proven formulas, we evaluate your income exposures. Finally, based on these findings, we source and negotiate the best carrier, policy and rate.

Property Insurance - we take the extra step to eliminate co-insurance penalties which can reduce the amount of money you receive if the insurance company believes you have under insured your assets. By preparing a statement of values document for our clients to sign, our record for eliminating this standard clause is 100%.

Business Interruption – Rather than asking you to complete a standard application to come up with a coverage limit against losses resulting from a temporary shutdown because of fire or some other insured peril, we prepare customized loss scenarios for acceptance by underwriters. This thoughtful approach ensures you don’t pay too much or receive too little coverage.

Commercial General Liability – At The Hull Group, we make certain you get the best coverage possible for claims from third parties for bodily injury, personal injury (libel and slander), advertising injury (misrepresentation of a product or service), and damage to property owned by others arising out of your operations. To do this, we take the time to understand your business and its related exposures, and go the extra mile to ensure your coverage extends to employees outside of Canada.