Small business insurance from Hamilton
Hamilton Insurance was founded in 2013 by Brian Duperreault, who has over 40 years of experience in the insurance industry including holding senior executive positions at AIG and ACE. Hamilton boldly is pusuing 'writing the future of risk' and has an approach that is based on technology and analytics to produce speedy, tailored quotes. The company works with over 250 industries of small businesses in the U.S.
What if I need property and general liability coverage?
That's a Business Owner's Policy
What does it cover? A BOP combines Property and General Liability coverages in a single convenient policy that can save money for your business. A BOP covers risks to your property such as fire damage, equipment breakdown and vandalism, together with risks against third party claims such as bodily injury and property damage. It also covers loss of income in periods of suspended business. Hamilton's policy can be tailored to cover risks in depending on your region and business risks.
When do you have to have it? A BOP is often recommended when you are starting up your business. It can be an essential consideration if your business operates from a property that is accessed or utilized regularly by third-parties (customers, contractors, members of public, etc.)
Approximate Cost A BOP can cost $500 - $3000 approximately, depending on the size and nature of your business.
Is Hamilton right for my business?
Main street retailers, restaurants, financial institutions, technology industries... Hamilton has options and packages that can be tailored to suit your business needs. New retail start-ups may want to consider the Business Owner's Policy option to protect their storefront property along with claims from third parties. There is a range of Professional Liability options for those working in arts, sports, travel and more, as well as cyber coverage for businesses dealing with data and bespoke options for businesses situated in areas prone to natural disasters. Hamilton has solutions for nearly every kind of small business.
How does Hamilton compare?
Hamilton is a fairly new company, founded in 2013 and with the main headquarters in Pembroke, Bermuda. There are separate divisions in the United States (headquartered in New Jersey) and in the United Kingdom (headquartered in London). Its financial strength rating is A- (excellent) according to the ratings agency A.M. Best. This indicates how well placed an insurer is to meet its payment obligations. As of December 2015, Hamilton had assets listed worth a total of $1.5 billion.
Check out other carriers
Depending on your industry and size of business, you’ll need different insurance coverages and will be evaluated differently by carriers. Check out the insurers below to learn about their offerings and how they may be applicable to your business:
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