Commercial insurance
Allshores protects your livelihood with commercial insurance solutions that keep your business moving and your bottom line secure. Because when you’re in business, so are we.
Flexible coverage for all types of business operations
Commercial package policy
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Commercial vehicle insurance
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Construction insurance
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Commercial marine insurance
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Commercial marine cargo insurance
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Commercial travel insurance
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Why choose commercial insurance from Allshores?
With nearly 200 years of combined experience insuring island communities, you can count on us to protect your business — so you can focus on your bottom line.
Coverage built for your business needs
Financial strength rated ‘A’ (Excellent) by AM Best
Policies designed for island life, built for island businesses
Payment plans that work for you and your business
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Frequently asked questions
No, you do not need a commercial vehicle insurance policy if you use your personal vehicle for business travel or deliveries. Your personal motor insurance policy covers losses related to your use of the vehicle, even if you are using it for business.
Vessels 20 years or older require a professional marine survey to help determine the appropriate level of coverage you will need in your commercial marine insurance policy.
Commercial buildings and property are typically insured based on replacement cost, not market value. That’s because insurance covers the cost to rebuild or replace your business buildings and property, not the land itself.
Replacement cost is usually calculated by taking the exterior square footage of the building and applying current construction costs per square foot.
Additional amounts (generally 15% of the sum insured) are often included to account for expenses such as architect and surveyor fees, as well as debris removal after a loss.
Construction costs and business assets can change over time, so you should review your insured values annually. Keeping your coverage up to date helps ensure you’re properly protected if you ever need to make a claim.
In most cases, yes. Home insurance and commercial insurance are designed to cover different types of risks, so separate policies are typically required.
A standard home insurance policy usually doesn’t provide the protection a business needs — especially for things like business interruption, which can cover lost income if your operations are disrupted. While some business contents may be partially covered under a home policy, this is often limited and may not reflect the true value of your business assets.
If clients, customers, or suppliers visit your home for business purposes, you’ll also need public liability insurance. Personal liability coverage generally won’t respond to claims or legal costs arising from business activities. In fact, most home insurance policies specifically exclude commercial liability risks.
A commercial insurance policy ensures your business is properly protected, whether you work from a home office or operate a larger organisation.