Commercial Insurance
Builders Risk Program
Commercial Property Facility
Construction Industry Program
Commercial Bonds
Strata/Duplex
A & T offers the following programs to clients:
Builders Risk Program
In-house facility with limits up to $4.5 million
Access to additional $10 million capacity with 7 day turnaround
Targeting frame construction risks
Blanket-basis coverage available for home builders
From single faimly homes to milti million dollar projects
Commercial Property Facility
Providing additional support on standard commecrial accounts
Participation on subscription policies - or written 100%
General mercantile and light industrial accounts
*(this program is for non-standard accounts)
Construction Industry Program
Our Construction Industry Program has an in-house capacity of $22 million on any risk, from small owner-built homes to multi-million dollar construction projects. Premier also provides Wrap-Up Liability on a single project basis and annual GL cover for homebuilders. Place your construction business right the first time with the construction specialists at
A & T.
Commercial Bonds
Bonding, sometimes referred to as suretyship, is an 'agreement' between the Surety (insurance company) and the project Owner to ensure that a contract will completed as agreed. The Contractor pays the Surety a fee to post a financial guarantee (the Bond) that in the event of a failure by the contractor to complete, will endeavor to finish the job.
The bond, or financial guarantee, is not an insurance policy but rather more comparable to a bank loan. When you borrow funds, you sign an endorsement that says you are responsible for paying the loan back. The contractor, when it comes to bonding, must also sign an 'indemnity agreement' promising to pay the Surety back if the bond is ever called upon.
A & T has extensive expertise in Commercial Surety bonding. The following is a brief description of some of the Commercial Surety bonds we are typically asked to provide.
Fiduciary Bonds
Licence and Permit Bonds
Lost Instrument Bonds
Customs and Excise Bonds
This multi-purpose bond is required for the following activities:
- Customs Brokers Licensing Regulations
- Temporary Importation Regulations
- Transportation of Goods Regulations
- Display Goods Temporary Importation Regulations
- Customs Bonded Warehouse Regulations
- Commercial Samples Remission Order
- Customs Sufferance Warehouse Regulations
- Accounting for Imported Goods and Payment of Duties
- Duty Free Shop Regulations
- Other authorities may be accepted
Strata/Duplex
Commercial Strata Unit insurance is specifically designed to provide protection for Commercial Strata properties. We deliver a range of features and benefits that we have designed to meet your requirements. Our Commercial Strata insurance provides insurance protection against accidental loss or damage to your buildings and common contents, legal liability, office bearers liability, personal accident, fidelity guarantee and machinery breakdown.
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