Commercial Business

Tower designs and markets a wide array of commercial insurance products to meet the needs of specific market segments. Our products are designed with several pricing tiers and varying levels of coverage and underwriting requirements. Utilizing this approach, we are able to offer a portfolio of products targeted to our insureds’ needs. Policy availability varies by state.

Commercial Package

Our Commercial Package Policy (CPP) provides property and casualty coverage and focuses on classes of business such as real estate, artisan contractors, retail, service, restaurants and light manufacturing.  Tower’s CPP on webPlus® provides producers with a quick and easy way to quote, bind and issue commercial package policies online.  Our CPP offers comprehensive coverage, is competitively priced and can be tailored to meet customer needs.  Our property and general liability coverages are also available independently.

Businessowners

Our Businessowners Policy (BOP) provides property and liability coverage to small businesses. The policy provides broad built-in coverages for businesses in the standard and preferred pricing tiers focusing on real estate, artisan contractors, retail, service, restaurants, garage and light manufacturing.  Tower’s POL product provides producers with a quick and easy way to quote, bind and issue BOP's online.  Our BOP is competitively priced and ideal for many small business owners.

Landlord Package Policy

Tower’s Landlord Package Policy provides property and casualty coverage for tenant-occupied dwellings of 1-4 family dwellings. We market this product for both owner-occupied and non-owner-occupied risks. Also available online through POL, producers are able to quickly and easily quote, bind and issue policies electronically.

Workers Compensation

From small guaranteed cost to custom tailored products through our Brokerage, Specialty and Special Risk Units, Tower offers a broad array of workers compensation products.

Tower’s web-based rating platform is available in most states and provides an efficient and user-friendly way to manage large volumes of workers compensation business by reducing transaction time and costs. We offer multi-state coverage on a single policy and our product is customizable for association and program business.

Our class focus is fairly broad. We target small to mid-size businesses including service, retail and wholesale, manufacturing, contractors (outside New York State), and hospitality. Our workers compensation policies are written in conjunction with other lines of business or independently.

General Liability

We write monoline commercial general liability policies for risks that do not have property exposures or whose property is insured elsewhere. Tower primarily targets real estate, artisan contractors, and automotive services risks for this stand-alone policy.

Commercial Automobile

Our commercial automobile product is available on single vehicle, fleet and non fleet business for a variety of industries. Tower’s Commercial Auto on webPlus® provides producers with a quick and easy way to quote, bind and issue commercial auto policies online. Flexibility to tailor coverages and deductibles makes Tower’s commercial auto product one of the leading products available in the market today.

Commercial Umbrella

Our commercial umbrella policy typically provides additional liability coverage with limits of $1,000,000 to $5,000,000 to policyholders who insure their primary general liability exposure with one of our insurance subsidiaries through a businessowners, commercial package or commercial general liability policy. We will offer commercial umbrella with limits over $5 million on a select basis.

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