At J.S. Johnson, we provide coverage for companies to ensure they have protection for the times when extraordinary things happen. These include:

• Fire & Extended Perils (including Hurricane)

  This covers property damage to businesses caused by specified perils which include fire, lightning, explosion, riot, civil commotion, hurricane, tropical storm, water damage and theft damage.

• Office "All Risks"

  Designed specifically for offices, this policy provides cover on an "All Risks" basis and automatically provides cover for a limited amount of cash, property temporarily removed from the premises and burglary damage.

• Contractors' "All Risks"

  Designed for work in progress, the Contractors' "All Risks" covers the structure being built, tools, fees and associated liability.

• Computer

  Provides not only cover for computer equipment, but also for other equipment necessary for its operation, such as air conditioners and generators. Cover is also provided for increased cost of working or loss of profit following damage to equipment, as well as costs for the reinstatement of data.

• Burglary

  Provides cover against theft of property as well as resultant damage to property.

• Money

  Cover is provided on an "All Risks" basis and includes money in transit, on premises, in a bank safe or the insured's safe.

• Fidelity Guarantee

  Provides cover for employers losses resulting from the dishonest acts of employees via stealing of cash or supplies.

• Liability

  Provides under Public Liability insurance, cover for the legal liability of owners to their customers, tradesmen and the like. Cover against Liability to employees may be provided under Employers' Liability insurance. Ask about Professional Liability, Directors and Officers Liability and other policies.

• Special Risks

  Mortgage Indemnity, Pluvius (weather related), Hole in One and other covers available.

To request more details, please contact our Commercial Insurance Department.