Business Insurance

Trade Contractors

Our comprehensive insurance coverage is specifically designed to meet the needs of your contracting business. Our program includes coverages such as:

• Buildings and Contents
• Tools and Equipment
• Materials and Supplies Awaiting Installation
• Property of Others in Your Care, Custody or Control

Churches

Our Church Program includes:

• Building and Stained Glass coverage
• Money and Securities coverages (doubled for three religious holidays)
• Employee Dishonesty
• Medical Expenses coverage

If you need additional coverage for Counseling Professional Liability, Sexual Acts Liability, Pastor’s Contents and Personal Liability, or Directors, Officers and Trustees Liability, we can tailor a policy for you.

Automobile Services and Car Washes

We make it simple to rate your business by using the number of full-time and part-time employees – and not payroll. Whether you own a car wash, light mechanical repair shop, glass shop, oil and lube shop, detail shop, muffler/brake shop, new tire dealership or something in between, you could qualify.

Used Auto Dealers

We make it easy to get coverage you need as a dealership owner. We can insure your assets and provide optional coverages for:

• False Pretense
• Federal Truth In Lending/Federal Odometer Statute
• Dealers Open Lot
• Garagekeepers
• Drive-Away Collision
• Drive Other Car

Retail

We provide automatic coverages ranging from:

• Accounts Receivable
• Brands and Labels
• Employee Dishonesty
• Lock and Key Replacement
• Exterior Signs
• Water Back-Up
• Inventory and Appraisal Expense
• Leasehold Interest coverage

Peak Season coverage is also included, and it increases your business personal property limit by 25% to provide for seasonal variations in inventory.

Wholesale

Whether you are distributing goods to retailers, commercial businesses or other wholesalers, Celina can help ensure your business needs are met. Our Wholesale Program can help insure your property, contents and liability exposures.

Convenience Stores, Grocery Stores and Restaurants

These programs are specifically designed to meet the needs of your business. We offer a broad range of coverages, including:

• Spoilage for Contamination and Power Outage
• Equipment Breakdown
• Employee Dishonesty
• Outdoor Signs
• Medical Expenses for Accidents
• Liquor Liability**

Office

Whether you need coverage on your building, contents or those slip and fall incidents, we can combine your property and liability coverages into one policy. Our program includes coverages such as Accounts Receivable, Employee Dishonesty, Water Back-Up and Outdoor Signs.

Service and Processing

Customer expectations are higher than ever and we understand the service business. Our service and processing classes can range from self-storage facilities to funeral homes, beauty/barber shops, auctioneers or pet groomers, just to name a few.

Laundromats and Dry Cleaners

As a professional, you understand the importance of using proper techniques to ensure that your customer’s expectations are met and their garments are well cared for. We exercise that same level of care to ensure that your business is properly covered and your assets are protected.

Self-Storage

Our insurance is specifically designed to meet the needs of your self-storage business. Two of the beneficial, automatic coverages we provide are coverage for property damage to customers’ property while at your self-storage facility, to the extent that you are legally liable, and for acts or omissions by you, in certain circumstances, as a result of business operations. A Celina agent can share all of the coverages this program automatically provides to fit your business.

Metalcrafters

A Metalcrafter’s insurance policy from Celina can be customized to meet your individual business needs. Some of the coverages we can provide are building and contents, property in transit, theft protection for patterns, dies, molds and forms, personal effects and property of others, fire extinguisher recharging expense and liability exposures.

Bed and Breakfast

As a bed and breakfast owner, you understand the importance of customer service and hospitality. Celina takes the same care to ensure that your business is covered. We can provide coverage for bed and breakfasts with at least three years of experience and five or fewer rooms available to guests, if the remainder of the home is occupied by you.

Rental Properties

Do you own a building and rent it out to a business or an individual? From strip malls to leased office or retail spaces to buildings leased to contractors, we have coverages available for you.

Are you renting out a single- or multi-family dwelling, apartment building or condos to tenants for residential purposes? If you own properties that are well maintained and show pride of ownership, we could be a good fit for you. Directors and Officers coverage may be available for condos, co-ops and associations.

Renovation Projects

Are you in need of coverage during a renovation project? Our renovation program is designed for dwellings or commercial buildings that are undergoing major repairs such as mechanical work, structural changes or changing the size of the building. We can provide you with the coverage you need throughout the project, as well as upon completion.