Metropolitan Insurance





General Liability Insurance

Covers business risks like body injuries, customer property damage and advertising damage. It’s the most famous policy required in the business area.

Worker’s compensation Insurance

Covers medical costs of injuries caused at work and also lawsuits related to employee injuries.  Any business with more than 3 employees must require this kind of policy.

Commercial Auto

Business-owned vehicles are required to have this coverage. Additionally, personal vehicles used for business purposes are not covered by your personal auto insurance policy.

Commercial property insurance

Covers a business’s physical structure and its contents, such as inventory, equipment, and furniture. It protects against theft, fire, and other losses and damages.

Builder’s Risk Insurance

Covers the person or organization interest in materials, fixtures and/or equipment awaiting installation (or after it) during the construction or renovation of a building or structure, should those items sustain physical loss or damage from a covered loss. 

Tools and Equipment Insurance

This policy helps pay for repair or replacement of a contractor’s tools and equipment if they are lost, stolen, or damaged. The items typically must be less than five years old. 

Business Owner Insurance (BOP)

Bundles some of the mentioned policies, normally, agroups: general liability, property insurance, auto commercial and crime insurance. The kind of policies that can be grouped, depend on the business needs. 

E&O Insurance

Covers against errors and/or omissions made by the business owner, employee or contractor working on behalf of the company. It also covers lawsuits expenses if the client claims there was breach of contract, missed deadlines or professional negligence. 

Directors and Officers Insurance

Ideal for any business that have a board member who represents all the important decisions of all the people that work in that team, must have this policy. 

Cyber Insurance

Covers cyber attacks and other forms of cyber breach that involves sensitive information about customers or employees, such as IDs, payment information, account numbers, driver’s license, etc. 

Office Insurance

Covers your workplace against the costs and any loss of productivity caused by physical damage, theft or equipment failure. This coverage includes not only accidents like a fire or a flood, but also, lawsuits from employees or the general public. 

Insurance Bonds

Covers the financial loss incurred if the work it’s not completed; in this way, the project owner gets compensated by the insurance company, if the contractist breaches the contract that was arranged with the owner.

Event Insurance

Covers the legal liability if certain claims come around when the business hosts an event and some accidents take place. Its coverage includes protection to the host or honoree for damage to the facility caused by a guest or vendor, bodily injury to guests and even alcohol-related accidents. 

Liquor Liability Insurance

Covers bodily injury or property damage caused by an intoxicated person who was served liquor by the policyholder, it also covers the expenses of a lawsuit if such customers cause bodily injury to a third party as a result of being intoxicated by the beverage served by the policyholder. 

Umbrella Coverage

Gives you extra liability coverage to help you pay costs that exceed your general liability or other policy that you´re already have acquired. If you don’t own this policy and the costs seem to exceed the limits of your previous policy, you must cover all the extra expenses such as, legal fees, medical bills or damage expenses.

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Let’s be honest, insurance is something that most people don’t think about until it’s too late, however, choosing the right insurance company, and picking the right policies, is important for your financial and personal security. 

Our customers opinions speak about us, with over 25 year in this business we aim each day to provide a better service.