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At Essential Insurance it is our commitment to guide you in the best way to select the insurance that best suits your particular needs. In addition to these insurances, at Essential Insurance we care that our client has the best of services.

Please provide us with your information and request your free consultation using our contact form.



Commercial Property

  • Commercial Package (CP)

This cover allows you to meet all your needs, ensuring compensation and business continuity in the event of any catastrophe caused by the perils covered in the policy.


  • Public Responsibility (CGL)

Its purpose is to be able to provide protection to the insured against bodily injury to third parties or damage to the property of others caused by any negligence where it is understood that they are legally responsible.


This coverage includes an important item for medical expenses and at the same time avoids that in case of any claim the patrimony of your insured is not affected.


  • Crime

Business crime insurance provides protection against financial losses related to business-related crime, including employee theft, counterfeiting, theft, and electronic crime.

  • Theft, damage or destruction of money, valuables and / or other assets both at the insured's facilities and elsewhere.

  • Forgery or alteration of negotiable instruments, including the falsification of the insured's signature on commercial checks.

  • Fraudulent tampering with the insured's computer system, including a hacker transferring funds to an external account.

  • Fraudulent electronic funds transfer instructions sent to the insured's bank claiming to be the insured's.


  • Inland Marine (IM)

Property in transit (Inland Marine) insurance generally covers property that is mobile or transportable in nature. It often covers properties that need more extensive protection such as electronic devices, software and hardware, signs, among others.


  • Equipment Breakdown (EB)

Equipment breakdown coverage is a form of insurance that provides coverage limit to repair or replace damaged machinery or equipment that has suffered a mechanical or electrical failure, due to voltage fluctuations among others.


  • Floods

Provides coverage against flooding to the building and / or contents of the insured according to the limit of insurance purchased.


  • Debris Removal

Debris removal insurance provides reimbursement for cleanup costs associated with property damage. Policies with a debris removal provision generally only cover debris resulting from an insured peril.


  • Pollutan CleanUp

Pollutant cleanup and removal, when caused or is the result of a loss cause covered by the policy, is covered separately as additional coverage with its own limit.


Cliente que paga

  • Commercial Auto Policy (CA)

Commercial auto insurance covers the cost of accidents involving company-owned vehicles. It also covers vehicle theft, vandalism, damage to third parties and / or property of third parties, among other certain types of vehicle damage.

  • Garage Liability

Garage liability insurance is specialized insurance aimed at car dealerships, parking lots or parking lot operators, crane operators, service stations and customization and repair shops. This insurance will add a layer of protection to the company's general liability policy. Coverage includes bodily injury and property damage from direct garage operations, not covered by most commercial liability insurance.

  • Garage Keeper

Garage insurance is a separate policy that covers damage to a customer's car property while in the care of the policy holder. This may include damage during road test drives and when storing the vehicle during non-business hours. The caregiver's insurance will cover vandalism and theft of a customer's car.

Commercial Auto

Financial lines

  • Directors and Officers (D&O)

This insurance provides coverage intended to protect individuals and can also be extensive to spouses, from personal loss if they are sued as a result of serving as director or officer of a company or other type of organization. It can also cover legal fees and other costs that the organization may incur as a result of such a lawsuit.

  • Professional Liability (PLI or E&O)

Professional Liability is a policy designed to protect professionals (for example, accountants, real estate brokers, consultants, etc.) against liability incurred as a result of errors and omissions in the performance of their professional services.

  • Bail Bonds

It is a contract by means of which a solvent company, by definition of law, guarantees the fulfillment of the obligations of a third party vis-à-vis a beneficiary. When a situation arises in which the debtor fails to meet the stipulated obligations, the surety institution meets these obligations, to subsequently recover the amount of the claim paid to the beneficiary

  • Cyber ​​Liability

Cyber ​​liability insurance covers the cost for a business to recover from a data breach, virus, or other cyber attack. Any company that stores confidential data in the cloud or on an electronic device must have cyber liability insurance .

  • Employment Practices Liability (EPL)

Work practice liability insurance, known in the business as EPL insurance, provides employers with coverage against employee claims alleging: Discrimination (based on sex, race, age, or disability, for example) and Unexcused Termination.

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