Almost all businesses need some form of P&C coverage—especially those with physical locations, equipment, employees, or client-facing operations. Industries like construction, logistics, retail, energy, manufacturing, and technology are among the most commonly covered.

Property Insurance protects your assets (e.g., buildings, equipment, inventory) against loss or damage. General Liability covers legal liability for third-party injury or property damage that happens in the course of your operations.

Contractor’s All Risk (CAR) and Erection All Risk (EAR) policies cover projects under construction—from accidental damage to equipment and third-party claims during the building or installation phase.

It depends on the coverage, but typically we ask for:

• A brief business profile or scope of operations
  
  
• Schedule of assets or properties to be insured
  
  
• Existing policy (if any)
  
  
• Claims history (if available)

Premiums are based on various factors such as the value of the assets insured, risk exposure, location, type of business, past claims history, and coverage limits.

If your sum insured is lower than the actual replacement value, the policy may apply the Average Clause—which reduces your claim payout proportionally. We help clients avoid this by reviewing accurate asset values during quotation.

LLIBI offers full claims advocacy support—from guiding documentation to negotiating with the insurer. We stay involved throughout the process to help you get fair and timely settlements.

Yes. We can tailor your coverage to comply with project, landlord, or client requirements—whether for minimum liability limits, specific perils, or naming additional insureds.

We recommend reviewing your coverage annually or whenever there are significant changes to your operations, property values, or risk exposure. LLIBI offers proactive policy reviews to ensure your insurance keeps up with your business.