TYPES OF COMMERCIAL INSURANCE COVERAGE

General Liability

General Liability is a standard insurance policy issued to businesses to protect against liability claims for bodily injury and property damage arising out of premises, operations, products and completed operations. It also may include personal and advertising injury liability. This insurance is baseline coverage for businesses and in many cases is a constituent part of a larger insurance package.

 

We provide Commercial General Liability policies to:

  • Real Estate Owners & Developers

  • Contractors

  • Service Industries

  • Associations – Commercial and Residential

  • Manufacturers

  • Wholesalers

  • Distributors

  • Technology

  • Marine Risk

  • Food Processors

  • Restaurant Operations

  • Retailers

  • Non-profits

 
Workers' Compensation

Workers’ Compensation coverage is mandatory in California and most states unless the Insured qualifies to be self-insured. This insurance protects your employees when they are injured on the job and protects your bottom line. The expense associated with work-related injuries and illness continues to rise, making it more important than ever to develop safety and return-to-work plans to help contain and reduce costs.

 

Atomi’s partners have access to over 30 carriers whose loss prevention experts work with us to help you prevent accidents. We have a variety of plans and coverages to meet your individual needs. It’s all part of our commitment to helping you protect your employees, lower your total cost of risk, and improve your financial situation.

  • Statutory Benefits – Medical, indemnity, rehabilitation, and death benefits

  • Loss Prevention – Our experts combine consulting skills and technical expertise to help you prevent accidents and reduce the severity and frequency of injuries

  • Return to Work program – A comprehensive return-to-work program can help return employees to work sooner by finding medically appropriate transitional duties they can perform while they heal

  • Full range of coverage plans and program structures:

    • Guaranteed Cost

    • Retrospective Rating Plans

    • High Deductible Programs

    • Loss Responsive Dividend Plans

    • Captive Programs

    • Pay As You Go Programs

  • Experience with multi-state entities

 
Commercial Auto

Commercial auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorist coverage. Atomi can help secure the right amounts of auto coverage for businesses. Through our partners, we have access to multiple markets, thus enabling us to negotiate competitive terms, even in today’s challenging market. Policies can range from a single vehicle to fleets of more than 100 vehicles. Vehicle policy benefits can include:

 

  • 24-hour claims help line

  • Approved repair service providers

  • Courtesy car availability

  • Windshield coverage

  • Uninsured/under-insured motorist liability

  • Optional premium payment plans

  • Motor breakdown & recovery coverage

  • Lease gap coverage

 
Commercial Property

Much like your home insurance policy, a commercial insurance policy insures a business or organization against damage to their buildings and contents due to a covered cause of loss, such as a fire. The policy may also cover loss of income or increase in expenses that results from the property damage.

 

Atomi’s commercial property insurance clients benefit from our partners’ longstanding experience in the insurance industry, our knowledge of real property risk factors, and the relationships that we have built with every major commercial property insurer.

 

Clients have access to a wide range of commercial property insurance products, with coverages that include everything from buildings and interior improvements to business personal property, builder’s risk and contractor’s equipment.

 

Clients range from private investors with a single commercial property to companies with large portfolios. We advise and help you select the right insurance product that suits your needs and budget, and, most importantly, ensure that your investment is protected.

 
Professional & Management Liability

Professional & Management Liability insurance provides valuable protection for your business from claims related to malpractice, negligence, errors and omissions. Atomi and its partners work closely with our clients to define potential exposures and then structures coverage that suits the specific needs of your business. Our prompt policy turnaround time enables our clients to spend less time focused on potential risk issues and more time on their business.

Employment Practices Liability Insurance (EPLI) is one of the most important policies today and insures business owners against wrongful termination, discrimination, wage/hour disputes and harassment.

We also offer Directors and Officers (D&O) liability insurance that insures corporate directors and officers of both for-profit and not-for-profit  entities against claims by stockholders, bondholders, creditors or others  alleging financial loss arising from mismanagement. A critical element of D&O coverage is that it provides defense coverage or reimbursement for legal expenses associated in defending against claims of mismanagement.

 
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