Agriculture
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Whether you operate a family or hobby farm, winery, brewery or bottled water plant, egg grading & hatchery or a farm implement dealership, we understand your unique insurance needs and will provide you with our specialized service and solutions to complement your customs.
HCIL is fully equipped with local industry knowledge and access to the best insurance products available for farms, produce, livestock and processing operations. You can depend on our knowledge and in-depth expertise to save you time and money.
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Communications and Media
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Any professional who offers "consulting services", regardless of the service they perform, can never fully escape the possibility that their work may fail to meet their clients' expectations and in today's litigious environment, all it takes is one dissatisfied client to place a professional's career and personal assets at risk.
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Restaurants & Hospitality
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Restaurants and the Hospitality industry rely on Huestis Commercial Insurance Ltd. (HCIL) to manage risks unique to this industry. Our experienced brokers have expertise and understanding of these risks and can provide coverage for:
- Family-style restaurants
- Fast food chains and franchises
- Fine dining establishments
- Taverns, Bars, Lounges and Cafés
- Hotels
- Legion Halls
- Unlicensed Restaurants such as Cafés, Coffee/Donut Shops and Bakery/Pastry Shops
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Manufacturing
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Manufacturing and distribution operations require a specialized insurance program to help manage risk, as demanded by owners, lenders, suppliers, customers and others.
Our manufacturing industry specialists are experienced in analyzing and finding solutions for the risks and exposures for various manufacturing processes – including automotive, food processing and industrial machinery. We provide insurance solutions for all types of low and high risk manufactured products – including competitive rates, comprehensive coverage, 24 hour claims assistance and knowledgeable representation.
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Fleet Automobile
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With commercial fleet insurance costs spiraling upwards, the need for specialized and experienced advice in handling your fleet insurance requirements is of paramount importance.
The fleet insurance market is seeking to provide fleet insurance to clients who can demonstrate sound fleet management. We can offer you a comprehensive fleet management and insurance service to allow you to benefit from the most competitive premiums and claims management service. At Huestis Commercial Insurance Ltd. we take an enthusiastic approach to work with insurance companies to minimize the effects of loss exposures.
If your commercial auto fleet insurance costs are rising, you need to talk to us now regardless of your renewal date. Huestis Commercial Insurance Ltd. has many years experience in the placement of both small and large motor fleets. We offer protection for any type of commercial auto fleet, from ‘family fleets’ with five or less vehicles to fleets of tankers with more than a hundred vehicles.
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Trucking
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Huestis Commercial Insurance Ltd. has been providing insurance and related services to the transportation industry for a number of years. We are trained to provide the highest quality customer service and offer solutions for the insurance needs of our transportation customers.
We provide trucking insurance products to owner operators and fleets of all sizes. We are dedicated to the insurance needs of owner operators and fleets. As an independent broker we have access to most of the major insurance companies writing insurance for truckers. Let us review your situation to ensure your coverage adequately meets your needs.
We provide a single-source access to industry specialists and the leading transportation-specialty insurance companies. HCIL has specialists in risk management, loss control and claims management, as well as insurance design and placement.
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Sports Insurance
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Huestis Commercial Insurance Ltd. has expanded its product offering to include Adult and Youth Sport Liability along with Participant Liability and Participant Accident Medical, Weather & Event Cancellation, Extreme Sport, Travel, Accident and Prize Indemnity from half court free throws to million dollar Hole in Ones.
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Construction
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Huestis Commercial Insurance Ltd. offers solutions to meet the special challenges of the construction industry, serving clients ranging from architects and engineers, contractors and construction material manufacturers, to designers, builders and other construction-related firms.
Our experts understand the day-to-day operations of firms in the industry. Our services include:
- Project management
- Contract analysis
- Claims management
- Risk financing
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Non-Profit Associations
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Non-Profit Associations are operated for the benefit of a group of persons. Allegations of mismanagement, misrepresentation and other procedure violations are normally brought against both the organization and the directors and officers by regulators, creditors, and other stakeholders. The policy normally names the directors, employees, volunteers, committee members and trustees as insured under the policy.
WHY D&O?
The directors and officers have an enormous responsibility and a wide range of third parties can put the senior management of the organization at serious personal financial risk. The results of a lawsuit can be devastating, affecting the personal lives of those named in the suit as well as the financial viability of the organization.
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Wholesale & Retail
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You can take advantage of various options to maximize insurance coverage for retail and wholesale operations – to minimize your cost and ensure you receive only the best customer service and insurance experience. Insurance coverage options include business interruption, employee theft/dishonesty and directors’ and officers’ liability protection.
Our retail and wholesale team, at HCIL, will always look at cost effective recommendations and solutions to ensure you have the right insurance protection in place. We will assess your potential risk from suppliers, customer and employees and match your needs against the products offered in the insurance market today.
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Commercial Realty
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Our dedicated real estate team is educated and experienced in providing standards and extended insurance solutions for all types of real estate exposures and issues that can affect your commercial, industrial or residential property. Whether you are a developer, property owner or manager, we recognize that your insurance needs may vary and can assist in planning ahead to avoid potential losses.
Our real estate insurance services include loss prevention support, property valuation, disaster recovery planning, lease and contract review, and a program financial status review. We also offer in-house risk management and customer service support.
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Small Business
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We specialize in addressing the risk and insurance needs of retailers and wholesalers. Our approach includes a thorough assessment of client risks and solutions tailored to meet clients’ specific needs.
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Professional Liability
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You can be sued! Even if you are not at fault, defending yourself in court is a costly business and a threat to your financial security. HCIL offers coverage to protect you against alleged negligent acts, malpractice, errors and omissions in the performance of your professional services.
This coverage is essential for the knowledge based sector including new media and technology companies, alternative energy facilities, biotech and medical research and development, and architects and engineers. We can help you protect your business and professional reputation.
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Adventure Tourism
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The adventure tourism industry is constantly changing and new segments are always developing; please call our office to see how we can accommodate you. We currently provide insurance ranging from the small hobby enthusiasts to the large commercial outfitters.
Some of the segments that we specialize in are as follows:
- Cycling
- Hiking
- Kayak Tours
- Cross Country Skiing
- Snowmobile Tours or Rentals
- Guided Wildlife Tours
- Fishing and Hunting Lodges
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