Commercial Package (SMP / Commercial Fire)

Our Commercial Package policy offers tailored coverage for buildings, business personal property, general liability, and several optional coverages for risks located in NY & PA.

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We insure a variety of Commercial Package policies that range from small to medium size risks. Our Package policy offers a wide range of coverage options for a reasonable price.

Trust Allegany Insurance Group to provide comprehensive coverage and peace of mind for your valuable investments.

Risks We Have Written:

We offer Basic, Broad, Special, and Comprehensive coverage forms to protect your buildings, business personal property, and general liability. We also offer replacement cost and actual cash value policies to meet your business needs.

  • Habitational (5 units & above)
  • Hotel / Motel, Bed & Breakfast
  • Restaurants, Taverns, Pizzerias, Delicatessen, Bakeries, & More
  • Storage Buildings
  • Offices
  • Retail
  • LRO – Lessors Risk & Mixed Occupancy
  • Beauty Shop
  • Supermarket, Grocery, and Convenient Stores

Optional Property Coverages:

  • Equipment Breakdown
  • Loss of Income / Earnings
  • Additional Expense
  • Accounts Receivable
  • Money & Securities
  • Building Inflation Protection
  • Employee Dishonesty
  • Water Back-up
  • Exterior Signs
  • Glass
  • Refrigerated Property / Food Spoilage
  • Fire Legal
  • Hired & Non-Owned Auto
  • Personal Injury
  • Seasonal Variation
  • Sprinkler Leakage
  • Valuable Paper & Records Coverage
  • Additional Property Enhancements

Discounts

By placing your coverage with Allegany Insurance Group you may qualify for one or more of the following discounts:

  • Superior Risk Credit
  • Fire Resistive / Sprinklered Credit
  • Alarm Discounts
  • Loss Free Credit
  • Renewal Retention Credit
  • Deductible Credit
  • Individual Risk Premium Modification Credit