Protecting what you've worked so hard for

You need to ensure that your buildings, equipment, and personal property are covered from a range of different exposures. Salem Five offers a flexible, tailored Commercial Property insurance solution built around your industry, environment, and operation.

• Coverage for your building include permanently installed fixtures, machinery, inventory and equipment – including other people's property that might be left in your custody
• Coverage for assets like accounts receivable and lost income due to a covered loss

Protect your people and vehicles when they’re on the road. Salem Five’s Commercial Auto solutions cover several potential risks, including Liability coverage for bodily injury and property damage to others; Uninsured Motorist coverage for damages caused by an uninsured driver; Underinsured Motorist coverage for damages caused by drivers who carry inadequate limits; and more. 

• Personal injury including medical expenses and lost wages
• Non-owned auto coverage
• Substitution transportation
• Towing and labor costs

A claim against your company for injury or loss can come from anyone—your people, customers, vendors, contractors, etc.—at any time. Keep your business protected from a wide variety of claims and ensure your defense costs are covered with General Liability coverage from Salem Five.

• Bodily injury and property damage liability
• Personal and advertising injury
• Medical expenses

If your founder or chief officer suffered sudden disability or death, how would your business move forward? Investing in a Key Person, or Key Man, policy from Salem Five can help you get through the transition, covering financial losses and loan payments following any issue and keep you up and running through change.

• Life and/or disability insurance covering key employee
• Offsets expenses and loss of income

Any work-related injury or illness can put both your people and your business in a tough situation. Workers Compensation coverage from Salem Five provides your employees with compensation for medical bills and lost while they recover, and protects your business.

• Wage replacement benefits
• Medical expenses
• Vocational rehabilitation
• Other benefits

Whether you need coverage geared to your specific industry or your business, Salem Five offers a policy to meet your requirements, with tailored coverages for several specific industries, such as Construction, Healthcare, Inland/Ocean Marine, Manufacturing, Real Estate, and more. 

• Miscellaneous liability
• Commercial bonds
• Health and disability
• Cyber security
• And more