Builders Risk Plan

Strong insurance protection for small business
The Builders Risk plan

A partner you can count on

The Carriers we work with have a long history of protecting the assets that small-business owners like you work so hard to build. For more than 30 years, we’ve been pioneering the development of insurance solutions designed for construction professionals. It’s this experience and commitment that make us a partner you can count on.

Service that stands out

We’re one of the only insurance companies with service, safety and claim representatives who are dedicated to the construction industry. That means that we understand your business and know how important it is to get you back to work as soon as possible.

We’ve got you covered

As a specialist in insurance for the construction industry, we offer a wide range of coverages, including:

  • Theft: Equipment to be installed, building and landscaping materials are covered from the moment they are delivered to the job site.
  • Materials in transit and at temporary locations: Protects job materials as well as office and tool trailers. Also includes coverage for materials that are installed or uninstalled, including landscaping.
  • Mechanical and electrical breakdown: Covers breakdown of plumbing, air conditioning lines and elevators.
  • Sewers and drains: Covers backup of sewers and drains with no deductible.
  • Laws and ordinances: Provides coverage for losses due to changes in laws or ordinances.
  • Model homes and unsold dwellings: Optional coverage protects models and their contents and completed homes that have not yet been sold.
  • Profit: Ability to include your profit in the total estimated completed value.

Coverage for larger, commercial jobs

Because of the flexibility of our Builders Risk Plan, there is no set size or value limitation. While certain guidelines exist, your agent will be able to help you insure even the largest and most intricate residential or commercial job.

Flexible options

To make the policy work for your business, we offer you a range of options:

  • Choice of monthly reporting form, single structure or deposit policy options gives you the flexibility to pay for the policy as you build the structure, rather than all at once
  • Annual or monthly rates
  • Volume discounts and installment premium payments available for larger builders
  • No deposit or special fee required, which lets you keep more of the money you make
  • No coinsurance penalty on losses under $25,000 if the structure is properly reported
  • Overhead and profit: Optional coverage to insure potential overhead and profit on a job
  • Builders Risk Reward Program, which offers a reward of up to $10,000 for information leading to conviction in the case of arson, vandalism or theft at the job site
  • Option to have the policy in the owner’s name with the builder as an additional named insured
  • Policies available for Remodelers, including coverage for the existing structure if needed
  • Interest of subcontractors included – there’s no need to list subcontractors or sub-subcontractors as additional insureds

Please contact Maria & Micah at 702.477.7776 for a more information on the Builders Risk Plan.

Wholesale Insurance

Wholesale Business Owners Insurance in Las Vegas

As a wholesaler or distributor in Las Vegas, you have unique insurance needs. Bleecher Insurance specializes in providing your business with carefully packaged coverage that delivers the goods no matter what kind of goods you deliver. We specialize in the following categories of business:

  • Beverage distributors
  • Motor vehicle supplies, wholesalers — new parts
  • Office equipment dealers
  • Stationery and supplies distributors
  • Hardware wholesalers
  • Food and food products distributors
  • Building service equipment:
  • Plumbing
  • Heating and air conditioning
  • Electrical equipment and supplies

Please contact Maria & Micah at 702.477.7776 for more information on Las Vegas Business Insurance for your Wholesale Business.

Coverage Examples

Property

Our program provides customized Property coverage’s tailored to meet your needs, including buildings, business property, product recall expenses, business continuation and transportation.

General Liability

Provides coverage for premises, products, contractual, personal and advertising injury and many other liability exposures.

Business Auto

Covers the vehicles you own or rent and use in your business.

Crime

Provides protection from theft both inside and outside your establishment, employee dishonesty and depositor’s forgery and offers broad form money and securities coverage.

Related coverage’s

  • Workers’ Compensation
  • Employers’ Liability
  • Umbrella
  • Employment Practices Liability
  • Pollution Liability

Please contact Maria & Micah at 702.477.7776 for a Quote on your Las Vegas Business Insurance for your Wholesale business.

Retail Insurance

Retail Business Owners Insurance in Las Vegas

The fastest-growing business segment in Las Vegas is retailers and service companies. Every day millions of these businesses provide a place for consumers to purchase retail goods or find services. And each one of these businesses has special needs when it comes to finding the right insurance program. That’s why Bleecher Insurance Agency offers Retail/Service packages with coverage designed to meet the special insurance needs of the businesses listed below.

  • Printer and copier stores
  • Hardware and home improvement stores
  • Food stores
  • Retail stores
  • Offices
  • Dry cleaners
  • Repair shops (other than auto)

Coverage Examples

Building(s) * including:

  • All garages, storage buildings and completed additions to the business
  • Permanently installed fixtures, machinery and equipment
  • Materials and supplies for construction or repair of the building
  • Business personal property used for the maintenance and service of the building including:
    • fire extinguishing equipment
    • floor coverings
    • drapes and appliances
    • outdoor furniture

*Available if you own the building or your lease agreement requires you to insure it.

  • Business Personal Property
  • Personal property
  • Personal property of others
  • Improvements and betterments
  • Leased property
  • Loss of income
  • Valuable papers and records
  • Accounts receivable
  • Debris removal
  • Emergency removal
  • Newly acquired business personal property
  • Property temporarily away from premises
  • Seasonal automatic increase

Optional Property coverage’s

  • Tenants exterior
  • Building glass
  • Employee dishonesty

Business Liability coverage’s

  • Advertising liability
  • Personal injury
  • Products and completed operations
  • Employers non-ownership
  • Personal injury liability
  • Broad form property damage
  • Contractual liability
  • Employees as individual names insured
  • Fire legal liability
  • Medical payments
  • Parking area liability

Optional Crime coverage (for additional premium)

  • Employee dishonesty
  • Broad form money and securities – inside
  • Broad form money and securities – outside
  • Medical payments
  • Forgery or alteration

Please contact Maria & Micah at 702.477.7776 for a Quote on your Las Vegas Business Insurance for your Retail business.

Restaurant Insurance

Restaurant Owners Insurance in Las Vegas

Today’s restaurant environment in Las Vegas is more complex than ever and you want to know you’re covered for the unexpected occurrence. Bleecher Insurance offers All-in-One Restaurant Packages that include Business Liability, Property and Crime coverage’s designed to meet your needs. Whether your restaurant is elegant, trendy, traditional, ethnic or homestyle we have the package for you. Call us at 702-477-7776 for a fast and friendly quote! We specialize in providing insurance for the following types of restaurants:

  • Buffets
  • Delis
  • Cafes
  • Diners
  • Cafeterias
  • Drive-ins
  • Carry-out restaurants
  • Fast food
  • Coffee shops
  • Food bars
  • Fine dining restaurants
  • Family-style
  • Luncheonettes
  • Sandwich shops

Please contact Maria & Micah at 702.477.7776 for more information on Las Vegas Business Insurance for your Restaurant.

Coverage Examples

Building(s) * including:

  • All garages, storage buildings and completed additions to the business
  • Permanently installed fixtures, machinery and equipment
  • Materials and supplies for construction or repair of the building
  • Business personal property used for the maintenance and service of the building including:
    • fire extinguishing equipment
    • floor coverings
    • drapes and appliances
  • Tenant improvements and betterments
  • Outdoor furniture

* Available if you own the building or your lease agreement requires you to insure it.

  • Business Personal Property
  • Personal property
  • Personal property of others
  • Accounts receivable
  • Valuable papers and records
  • Seasonal automatic increase
  • Outdoor trees, shrubs and plants
  • Newly acquired business personal property
  • Consequential loss
  • Replacement cost
  • Debris removal
  • Food spoilage
  • Emergency removal
  • Damage to building(s) from theft, burglary or robbery
  • Off-premise personal property

Optional Property coverage’s

  • Loss of earnings/business income
  • Outdoor signs
  • Building glass
  • Deductible buy-back on glass/sign coverage

Business Liability coverage’s

  • Products and completed operations
  • Personal and advertising injury
  • Employer’s non-ownership
  • Broad form property damage
  • Contractual liability
  • Employees as names insured
  • Supplementary payments
  • Fire legal liability
  • Medical payments to others
  • Parking area liability

Optional Liability coverage’s

  • Liquor liability
  • Additional names insured
  • Employment practices liability
  • Employee benefits liability
  • Employers liability (stopgap)

Comprehensive Crime coverage’s

  • Broad form money and securities – inside
  • Broad form money and securities – outside
  • Depositor’s forgery
  • Employee medical payments coverage (due to crime)

Optional Crime coverage

  • Employee dishonesty

Optional Auto coverage’s

  • Hired, non-hired auto coverage
  • Owned auto
  • Garage-keepers, valet (except Va.)

Additional coverage’s

  • Food-born illness — business income
  • Fine arts
  • Building ordinance
  • Contamination shut down
  • Earthquake coverage (in states where available)
  • Earthquake sprinkler leakage
  • Umbrella coverage
  • Equipment breakdown
  • Workers’ Compensation (required if there are any employees on staff)
  • Back-up of sewers and drains

The statements of coverage shown here are brief summaries and do not show policy exclusions. The policy should be read for your actual coverage’s and exclusions.

Please contact Maria & Micah at 702.477.7776 for a Quote on your Las Vegas Business Insurance for your Restaurant.

Manufacturing Insurance

Manufacturing and Fabricators Insurance in Las Vegas

Bleecher Insurance Advisors offers Manufacturing coverage that is a comprehensive program to meet the special needs of business owners engaged in the mechanical or chemical transformation of materials into new products. It is available for the following five types of manufacturers.

Food manufacturers and processors

  • Dairy products
  • Fruit and vegetable products
  • Candy, confectionery products
  • Plastics and rubber products
  • Plumbing fixtures
  • Bottles and containers

Office equipment manufacturers

  • Disc drives
  • Optical storage devices
  • Calculating machines
  • General office equipment

Metal working and metal products fabricators

  • Fasteners, bolts, nuts, screws, washers
  • Flatware
  • Pipes, metal tubes, fixtures

Audio, video and communications equipment fabricators

  • Household audio visual equipment
  • Telephone equipment
  • Electronic components and accessories

Please contact Maria & Micah at 702.477.7776 for more information on Las Vegas Business Insurance for Manufacturing and Fabricating.

Coverage Examples

Primary Coverage Package for manufacturers includes:

  • Accounts Receivable
  • Back-up of sewers or drains (optional)
  • Building
  • Claims expense
  • Computer equipment
  • Crime conviction reward
  • Debris removal
  • Employee dishonesty
  • Fire department service charge
  • Fire extinguisher recharge
  • Forgery and alteration
  • Increased cost of construction
  • Lock replacement coverage
  • Money and securities — inside/outside
  • Money orders and counterfeit paper currency
  • Newly acquired buildings
  • Newly acquired business, personal property
  • Outdoor signs
  • Personal property off-premises
  • Pollutant clean-up
  • Preservation of property
  • Seasonal automatic increase – BPP
  • Spoilage/temperature change, optional
  • Tenants glass, optional
  • Trees, shrubs and plants
  • Valuable papers and records

Special Packages for manufacturers

Provides the same coverage with higher limits plus these extra coverage’s:

  • Brands and labels
  • Business income
  • Customer property at replacement costs
  • Equipment breakdown
  • Theft, patterns and dies
  • Theft, bullion and precious metals
  • Utility services — time element

Liability coverage examples

  • Products/completed operations
  • Personal injury liability
  • Advertising liability
  • Broad form property damage
  • Contractual liability
  • Employees as additional insured
  • Fire legal liability available
  • Medical payments

Please contact Maria & Micah at 702.477.7776 for a Quote on your Las Vegas Business Insurance for Manufacturing and Fabricating.

Commercial Real Estate Insurance

Business Insurance for Commercial Real Estate in Las Vegas

Las Vegas is the most dynamic and fastest growing city in the world. Bleecher Insurance Advisors offers Commercial Real Estate coverage plans that provide a comprehensive program to property owners who lease or rent building space used for offices, service businesses, retail stores, light industrial or light manufacturing. Parking areas may be included in the coverage if used by the building occupant and customers.

Additional coverage examples we offer in Las Vegas for:

  • Office buildings
  • Retail shopping centers
  • Buildings used for manufacturing, industrial, assembly
  • Processing or service buildings
  • Private commercial warehouses
  • Mixed occupancies: office, retail, light manufacturing, industrial, assembly, processing or service buildings

Coverage Examples

Property

Customized to meet your individual needs for coverage of building, business property, business continuation, crime and equipment breakdown.

General Liability

Includes coverage for personal and advertising injury and fire legal liability exposures. We also offer coverage for supplementary payments and medical payments to others.

Business Auto

We provide broad coverage for the vehicles you own or rent and use in your business.

Crime

We offer coverage from theft both inside and outside your establishment, employee dishonesty and depositor’s forgery and offers broad form money and securities coverage.

Additional coverage’s for shopping centers and office buildings

Primary Package

  • Loss of rents
  • Back-up of sewers or drains
  • Arson conviction reward
  • Lock replacement
  • Building glass
  • Outdoor signs
  • Computer coverage

Premier Package

  • Equipment breakdown
  • Extended replacement cost
  • Extended premises boundary
  • Tenant’s moveback

Please contact Maria & Micah at 702.477.7776 for a Quote on your Las Vegas Business Insurance for Commercial Real Estate.

Automotive Trades Insurance

Business Insurance for Automotive Trades in Las Vegas

Whether you own a new or used auto dealership, a repair garage or a chain of transmission shops, Bleecher Insurance offers affordable plans customized to meet the specialized needs of your auto sales and/or service business. Call us at 702-477-7776 for a fast and friendly quote.

Automotive Trades coverage is available in Las Vegas for:

  • Body Shops
  • Transmission Shops
  • Repair Garages
  • Muffler Shops
  • Auto Dealerships
  • Auto Glass Shops
  • Quick-lube Oil Change Outlets
  • Gasoline Service Stations

Please contact Maria & Micah at 702.477.7776 for more information on Las Vegas Business Insurance for Automotive Trades.

Garage Policy Coverage Examples

Property coverage’s

  • Building(s)*
  • Business personal property including stock
  • Business income and extra expense
  • Extra expense
  • Leasehold interest
  • Employees’ tools
  • Electronic data processing equipment
  • Valuable papers and records
  • Accounts receivable
  • Glass
  • Backup of sewers and drains
  • Outdoor signs
  • Outdoor property
  • Lock replacement
  • Fire department service charge
  • Fire extinguisher recharge expense
  • Arson conviction reward
  • Debris removal
  • Property of others
  • Replacement cost
  • Inflation guard
  • Equipment breakdown
  • Cargo coverage
  • Earthquake (in states where available)

* Available if you own the building or your lease agreement requires you to insure it.

Automotive Sales and Dealership coverage package

The following coverage package is available to clients who sell automobiles:

  • Title errors and omissions coverage
  • Odometer liability
  • Truth in lending errors and omissions
  • Insurance agents errors and omissions
  • Product deficiency liability
  • Individual names insured for dealers
  • False pretense coverage
  • Dealers drive-away collision
  • Garage and General Liability
  • Owned auto coverage
  • Physical damage to owned vehicles
  • Premises and completed operations
  • Products/completed operations
  • Fire legal liability
  • Personal and advertising
  • Contractual liability
  • Protective liability for acts of independent contractors
  • Host liquor liability
  • Incidental medical malpractice
  • Non-owned watercraft
  • Spouse or partners insured
  • Automatic liability coverage for newly acquired dealerships
  • Limited worldwide liability
  • Independent contractors
  • Uninsured/underinsured motorists
  • Garage medical payments
  • Personal injury protection (where available)
  • Hired autos
  • Individual names insured
  • Broad form products
  • Physical damage to owned vehicles
  • Elevator liability

Please contact Maria & Micah at 702.477.7776 for a Quote on your Las Vegas Business Insurance for Automotive Trades.

Auto coverage’s

  • Bodily injury and property damage
  • Uninsured/underinsured motorists
  • Non-ownership liability
  • Hired auto coverage
  • Auto medical payments
  • Personal injury protection (where available)
  • Physical damage – comprehensive
  • Physical damage – specific causes of loss
  • Physical damage – collision
  • Physical damage – towing and labor
  • Drive other car coverage
  • Hired autos specified as covered auto
  • Motor truck cargo
  • Additional insured – lessor
  • Mobile equipment – scheduled equipment
  • Rental reimbursement coverage
  • Tapes, records and discs (where available)
  • Audio, visual and data electronic equipment

Crime coverage’s

  • Money and securities
  • Employee dishonesty
  • Robbery and safe burglary
  • Robbery and safe burglary – money and securities
  • Premises burglary
  • Premises theft and robbery outside
  • Extortion
  • Forgery or alteration
  • Theft, disappearance and destruction

Please contact Maria & Micah at 702.477.7776 for a Quote on your Las Vegas Business Insurance for Automotive Trades.

Artisan Contractor Insurance

Business Insurance for Artisan Contractors Service Professionals in Las Vegas

Just like building a business, building an effective insurance program is done in steps. A good first step is working with Professional Insurance Agent in Las Vegas to put together the right business owner’s insurance policy for the unique challenges facing your business. Find the right commercial business insurance line right for your company by calling Bleecher Insurance at 702-477-7776.

  • Appliance Installation
  • Landscape Gardeners
  • Plumbers
  • Janitorial Services
  • Electricians
  • Carpet Cleaners
  • Heating and Air Conditioning
  • Painters
  • Floor Covering Installation
  • Other types of Contractors too!

Coverage Details

Property

Your agent will work with you to customize property coverage’s to meet your individual needs, including buildings, business property, business continuation and your tools and equipment.

General Liability

Our Liability coverage offers protection for premises, products, contractual, personal and advertising injury, as well as many other liability exposures.

Business Auto

We provide broad coverage for the vehicles you own or rent and use in your business.

Crime

Bleecher Insurance Agency offers coverage ranging from theft of personal property to employee dishonesty, depositor’s forgery and broad form money and securities coverage.

Please contact Maria & Micah at 702.477.7776 for a Quote on your Las Vegas Business Insurance.