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Crichton Insurance Agency
  • (876) 906-9997

Business Liability

Securing your Business – Commercial business Insurance

Risk Management is now a key issue for businesses. Risk takes many forms: the key objective is to minimize oneself against all types of risk exposure by getting adequate coverage against loss or damage.

We have competitive packages for small and medium sized commercial operation including both retail and service based industries. Attached is a simple questionnaire, spend 2 minutes and fill it out for a quick quotation. Our policies include coverage for the following;

Business Interruption

Covers loss of gross profit/revenue, due to a reduction in turnover resulting from damages incurred to the insured's premises by fire and/or allied perils.


This policy covers loss by theft and/or damage to property as a result of forced entry to and/or violent exit from the premises.

Computers All Risk

Covers all risk of loss or damage to equipment i.e. any unforeseen and sudden physical loss or mechanical or electrical breakdown to data processing equipment, electronic accounting and invoicing machines, x-ray and ultrasonic instruments etc.

Contractors All Risk

Unforeseen and sudden physical loss or damage to the contract works, construction, plant and machinery including removal of debris and professional fees.

Consequential Loss

Policy will compensates you for loss due to the interruption of your business if your property is damaged by any peril insured under the Fire & Allied Perils Policy.

Employers Liability

Covers legal liability to your employees for damages, approved costs and expenses sustained in respect of bodily injury, illness, disease or death arising out of and in the course of their employment.

Public Liability

This covers the legal liability of the client for accidental bodily injury/death, accidental damage to the public while on the property of the client and litigation expenses arising out of the negligence of the client.

Engineering / Machinery Breakdown

This coverage secures you against accidental loss or damage to machinery caused by electrical or mechanical breakdown.

Money Insurance

Loss or damage to company money caused by fire, burglary and Acts of God whether it is on premises or in transit.

Fidelity Guarantee

Insures your business against any direct loss of money or merchandise arising from fraud or other act of dishonesty committed by employees

Goods in Transit

Covers loss of merchandise during transit

Fire and Allied Perils

Insures your commercial enterprise against damage caused by fire, lightning, explosion, natural disasters and other perils.