Commercial property
Northfield offers property coverages in all states, predominantly on a non-admitted basis. Coverage is available on a single line or on a package basis. Coverage including wind or hail coverage is available for risks that are situated in coastal areas.
Coverages
- Agreed amount, no-coinsurance and flat insurance
- Available preferred and standard property extensions
- Building and personal property
- Bailees and personal property of others
- Business income and extra expense
- Cause of loss – basic, broad and special
- Equipment breakdown
- Ordinance of law
- Spoilage
- Theft
- Vacancy permit
Classes
Northfield provides property coverage to a wide variety of property risks, including:
- Adult day care
- Alcohol & drug rehabilitation centers
- Auto service & repair
- Bakeries
- Builders risk
- Child day care centers
- Churches/Other house of worship
- Clubs/Halls & Auditoriums
- Convenience stores
- Fitness centers
- Flea markets
- Funeral homes
- Gas/Service stations
- Habitational – apartments and dwellings
- Health and exercise clubs
- Homeless shelters, soup kitchens and missions
- Homeowners associations
- Hotels/motels
- Lessor’s risk
- Light manufacturing
- Medical offices
- Mercantile/Retail stores
- Mixed use buildings (retail and hab)
- Mobile home parks
- Nursing/Convalescent Homes/Healthcare Facilities
- Office risks
- Pawn shops
- Package and retail stores
- Recreational facilities
- Restaurants, bars & taverns
- Schools
- Self-service laundries/dry cleaners
- Tanning salons
- Temporary employment agencies
- Vacant buildings
- Warehouses