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Affinity Insurance Agency

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Insurance for Business

Burglary Insurance

  • Burglary

    Unfortunately, crime prevention must factor into each business plan. Despite your best security controls, thieves will do anything to gain access to your business, and sometimes, they succeed. Burglary Insurance provides coverage so that your business doesn’t miss a beat.


    Some of the benefits of this policy include coverage for:

    • Contents
    • Stock and goods
    • Securities kept in a locked safe
    • Damage to your premises

Business Interruption

  • Interruption

    Have you thought about how much revenue and profits you can lose due to downtime following a hurricane or fire impacting your business? Are you prepared to cover the financial shortfall on your own? During rebuilding and repair, it isn’t business as usual. Will your company survive?


    Some of the benefits of our policy include:

    • Loss of income/revenue
    • Ability to pay wages
    • Ability to pay continuing expenses such as mortgage, advertising and taxes

Commercial All Risk

  • Commercial

    Every business is exposed to risks. Despite the best business practices and every effort on your part, it is impossible to eliminate 100% of your exposure. Commercial All Risk Policy covers the cost of repairing or rebuilding your business in the event of a loss.

  • More Benefits

    Our policy provides the following benefits:

    • Burst pipes (escape of water)
    • Cost of repairing or rebuilding the building if destroyed
    • Replacing the stock or equipment damaged or destroyed
    • Falling trees
    • Fire
    • Flooding
    • Catastrophe
    • Theft

Condominium Insurance

  • Condominium

    Condominium owners’ associations have unique insurance needs. Each unit owner owns a portion of the building where he or she lives, while common areas and certain portions of the building are shared.


    Like all other types of homes, condominiums face property perils like fire, wind, hail, theft and vandalism. Owners also face numerous liability risks for managing swimming pools, spas, saunas, playground equipment, parking lots and more.


  • Condo Association Coverage

    The association master policy typically covers common areas of a condo complex, including hallways, elevators, sidewalks, roofs and basements, and building equipment, such as boilers and machinery. Unit owners are usually responsible for insuring everything within the four walls of their individual units.


    Condo association insurance provides one of three types of building coverage in the association master policy:

    • Bare walls coverage: This ensures basic building elements, such as the walls, roof, floors and elevators. Unit owners must obtain coverage for countertops, bathroom and kitchen fixtures, flooring, appliances, carpeting, cabinets, wall coverings, and other items. Bare walls coverage also may require unit owners to insure the interior walls of their units.
    • Single entity coverage: This ensures the basic elements of a building and standard finishes inside each unit, except for the owner’s personal property. Single entity coverage does not cover improvements made at a unit owner’s expense. If, for example, a unit owner updates countertops or installs new carpet or lighting fixtures, the new and more expensive finishes are not covered by the association master policy.
    • Modified single entity/all-in coverage: This covers fixtures, installations or additions/improvements within the interior surfaces of individual units' perimeter walls, floors and ceilings. The unit owner’s coverage needs are limited because the association master policy provides comprehensive coverage for standard or upgraded permanent fixtures, finishes, additions and improvements. Unit owners must purchase coverage for their personal property.

    The association bylaws may specify what is and is not covered by the association master policy and what coverage unit owners must purchase.

Contractors All Risk

  • Contractors

    Planning for success is a critical part of any contractor’s business. Our Contractor’s All Risk insurance provides excellent coverage for your property while under construction.


    Some of the benefits of this policy include:

    • Property damage during construction
    • Bodily injury to others during construction
    • Damage to material
    • Clearance of debris
    • Machines and tools
    • Delay in start-up
    • Transit and off-site storage
    • Contractors’ plant and equipment
    • Professional fees

Cyber Security Insurance

  • Cyber Security

    Cybersecurity insurance is designed to mitigate losses from cyber incidents, including data breaches, business interruptions, and network damage.


    Technology is unavoidable in today's world, and it is critical to the success of most businesses. But it also puts your business at a higher risk of falling victim to cybercrimes. Even a mediocre hacker can typically gain access to your clients and information and quickly put you out of business.


  • More Information

    There are a lot of ways a data breach can happen. If it does (and we hope it doesn’t), it’s a wise decision to have a solid game plan and a cyber liability insurance policy to help your company handle any legal battles and keep your business dreams alive. But where do you find the best cyber liability insurance? How much do you need? What type of coverage is available? That is what we are here for. 

Directors Liability Insurance

  • Directors Liability

    Regardless of the nature of your business, your Directors and Officers carry significant risk due to their responsibilities. They can be held personally liable for many matters, including errors in judgment, breach of legal duty, or failure to disclose conflicts of interest. The resulting claims and legal expenses are often very costly.


    In the financial service industry, the legislation continues to be strengthened to deter certain acts and promote compliance. As part of this process, significant financial penalties are being defined for businesses and individuals, particularly Directors and Officers.

  • More Information

    Directors & Officers Liability insurance allows you to attract and retain top talent by protecting your Directors and Officers. As mentioned above, legislative changes aimed at improving compliance have increased the need for these safeguards.


    Our Directors & Officers Liability policies are tailored to address our clients’ specific needs; however, all policies include cover for:


    • Claims for damages
    • Defence Costs

Employer's Liability Insurance

  • Employer's Liability

    Businesses that do not have Employer’s Liability insurance are exposed to significant financial and legal risk. Employer’s Liability insurance provides businesses with financial protection in the event of an employee’s at-work-accident. Additionally, this coverage provides security for employees and demonstrates that the company has taken measures to protect them and provide financial remedies in the event of an accident.

  • More Information

    Our coverage includes (but not limited to):

    • Lost wages/replacement income
    • Medical expenses for injuries incurred while on duty
    • Injury caused by proven employer negligence
    • Compensation for permanent injuries
    • Benefits to survivors of workers who are killed on the job
    • Expenses for legal fees incurred in defence of a claim or lawsuit

Fidelity Guarantee

  • Fidelity Guarantee

    Human resources are usually a company’s greatest asset. We rely on our employees to assist in executing our strategies and achieving our objectives. However, despite due diligence, integrity screening, and well-established checks and balances, not all employees will consistently operate honestly and in the company's best interests.

  • More Information

    It is important to safeguard your business from negative impacts on its reputation and profitability. With a Fidelity Guarantee insurance, you can protect your company from employee dishonesty resulting in:

    • Fraud
    • Theft
    • Loss of money
    • Loss of Property

Fire & Extended Perils

  • Fire & Perils

    Our Fire & Extended Perils policy helps protect your most significant business assets from damage or loss. Whether you require coverage for buildings, contents or equipment, we can help.


    In addition to fire, you’ll receive protection from:

    • Hurricanes
    • Flood and overflow of the sea
    • Malicious damage
    • Explosion
    • Vehicular impact
  • More Information

    Our representatives can assist you in determining the coverage that best suits your needs, including add-ons for Burglary and Business Interruption.

Fleet Insurance

  • Fleet

    Fleet insurance is a type of insurance that covers multiple vehicles.  Generally, the minimum amount is two, although only specialists tend to cover this amount, and the maximum can be in the thousands.


    Depending on the type of policy, you can find cover for:

    • Employer liability cover
    • Public liability
  • More Information

    Pros

    • Easier to arrange insurance on multiple vehicles. Fleet insurance could be the answer if your business relies on many vehicles.
    • Only one renewal date, so you’ll save time on admin. A business may also get a discount as you buy bulk from a single supplier.
    • Insure all drivers on every vehicle with what’s known as an ‘any driver policy. This means that drivers will have access to all vehicles, which saves them from waiting around for a certain vehicle to be free.

    Cons:

    • One accident could affect the premiums of all vehicles on the policy. However, If you have a particularly accident-prone driver, it’s probably worth putting them on a separate policy.
    • If you don’t update your policy and you need to make a claim, it could be invalid. Often with fleets, vehicles come and go, so stay on top of your details.

Group Medical Insurance

  • Group Medical

    Group medical insurance is a health insurance policy offered by an employer or other organization to employees or members. It is designed to provide healthcare coverage to a group of people rather than individuals.


    Typically, group medical insurance plans offer a range of benefits, such as doctor visits, hospitalization, prescription drugs, and preventive care services. These benefits can help individuals and families manage their healthcare costs and access the necessary medical care.

  • More Information

    Employers or organizations that offer group medical insurance plans may pay for all or part of the premium costs, making it more affordable for employees or members to access healthcare coverage. In some cases, employees may also be able to choose from different types of plans or coverage levels to best suit their needs and budget.


    Group medical insurance plans may also offer additional benefits or services, such as wellness programs, telemedicine services, and other resources to support the health and well-being of employees or members.


    If you want to learn more about group medical insurance or find a plan that fits your needs, contact Affinity Insurance Agency Limited’s Account Executive to discuss your options and find the right plan for you and your organization.


Hotels & Hospitality Insurance

  • Hotels & Hospitality

    Being the owner and operator can come with many rewards — but the nature of the investment means constant risk.  It’s hard enough securing those five-star social media reviews, but — hospitality aside — the single biggest threat to your business, hands down, is insurance coverage.


    We work with everything from large hotel chain operators to family-owned hotels, motels, and short-term rental units.  We think through every major to minor risk that goes into the daily operation of your facility. This allows you to keep your focus on keeping your guest happy and your property ratings high. 

  • More Information

    The following properties are eligible for coverage: 

    • Full-Service Luxury Hotels
    • Business Class Hotels
    • Conference Centers
    • Economy Motels
    • Vacation & Spa Resorts
    • Golf Resorts
    • Casino Hotels
    • Boutique Lodging
    • Franchise Hotels
    • Motels
    • B&Bs
    • Dining, Bar & Entertainment

Machinery & Plant Insurance

  • Machinery & Plant

    Operational efficiency is critical for generating profits. Downtime of machinery can bring your business to a grinding halt and affect productivity and profits. Safeguard your business from loss with Comprehensive Machinery & Plant insurance.


    Some of the benefits of this policy include coverage for:

    • Damage to equipment
    • Destruction to equipment

Marina & Dock Insurance

  • Marina & Dock

    Since marinas can vary significantly, it is vital that owners and operators partner with marine insurance agents who can handle a multitude of coverages. We are uniquely positioned to assist with your marina insurance needs.


    All Marina operators should ensure that their marina has adequate Property and Liability coverage. A good Marina Insurance Program will include General Liability, Marina Operators' Legal Liability, Protection & Indemnity and Workers' Compensation Policy.

Marine Insurance

  • Marine

    Whether you transport goods regularly or need insurance to protect the delivery of a single, high-value item, the Marine Cargo policy provides the necessary protection. Your monetary investment is secure whether shipment occurs via sea, air or land.


    Coverage includes but is not limited to the following:

    • Retail goods
    • Vehicles
    • Machinery
    • Jewellery
    • Works of Art
  • More Information

    Living in the Caribbean, ocean travel is a way of life. You need protection from mishaps while using your Marine vessel for business or pleasure. Our Marine Liability policy protects you against claims for bodily injury or property damage caused to third parties.

Money All Risks Insurance

  • Money All Risks

    Money All Risks Insurance protects your business against loss of money when in transit and while on premises. You work hard for your money, so let us help you protect it.


    Some of the benefits of this policy include cover for:

    • Money in transit to or from the bank.
    • Money while on premises during business hours.
    • Money while on premises after hours.

Professional Indemnity Insurance

  • Professional Indemnity

    While running your own business can be rewarding, challenges are unavoidable. There is always the possibility of an error being made. For this reason, it is important to protect yourself and your business from the consequences of mistakes, oversights and professional negligence.


    Most professionals in financial services, design, law, accounting and medicine are legally required to maintain professional indemnity cover. 

  • More Information

    Some of the benefits of the policy includes coverage for:  

    • Negligent acts during the performance of duties
    • Errors or omissions during the performance of duties
    • Legal costs associated with claims response and defence

Public Liability Insurance

  • Public Liability

    If your business involves interacting with customers or the public, Public Liability insurance provides you with the protection you need. It safeguards your assets against claims for property damage or bodily injury suffered by third parties while on your premises or as a result of your business activities.


    If someone is injured on your premises or their property is damaged while you’re providing a service, they may take legal action against you to recover their losses. Public Liability insurance can pay for the cost of these claims or any associated legal expenses and control the negative impact on your business.

  • More Information

    Public Liability insurance is included in our industry-specific business insurance packages because we understand the importance of protecting your livelihood.

Save when you bundle your insurance policies e.g. motor and home or home and medical.

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