107 Airport Rd. Westerly, RI 02891 (401) 596-0146 service@thorptrainer.com

Business Insurance

We offer insurance packages that are tailored for different types of businesses. Whether it is insurance for your building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business.

Commercial Property Insurance

Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

Property Insurance may cover two types of property losses:

  • Direct losses may be covered when property is lost, stolen, damaged or destroyed.
  • Indirect or consequential losses related to direct losses may also be covered.

Commercial General Liability Insurance

Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:

  • Premises and Operation
  • Fire Damage Liability (damage by fire to premises rented to insured)
  • Personal and Advertising Injury
  • Medical Payments
  • Products/Completed Operations

You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.

Commercial Auto Insurance

Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business.

Workers’ Compensation

Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Workers’ Compensation provides for the payment of four types of benefits:

  • Medical benefits
  • Income benefits
  • Death benefits
  • Rehabilitation benefits

A representative can provide you with complete details on Workers’ Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.

Contact us today for more information about Commercial Insurance or fill out our online quote form.

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Recent News

Happy Labor Day!

All of us at Thorp & Trainer wish you and your family a very happy and safe Labor Day weekend Our office will be closed on Monday, September 6, in observance of the holiday. Should you require assistance during this time, please call 401.596.0146 to access our emergency mailbox and someone...

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Mortgage Companies and Property Insurance

  If you are planning on any of the below, it is IMPERATIVE that you let us know. PLEASE call our office and speak to your account manager at 401.596.0146 if any of the following apply: Refinancing Mortgage sold Insurance premium escrowed New homeowner Mortgage paid off If you refinance, your...

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The public is invited to bring 2 boxes of old statements, legal records and other sensitive documents to be shredded. No magazines or phone books please. This event helps to highlight the importance of taking appropriate steps to prevent identity theft, and that starts with properly discarding...
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