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Specialty Classes: Commercial

Burns & Wilcox offers solutions for a variety of commercial specialty classes. See below for examples of coverages we are able to provide.


A farmer’s livelihood depends on their ability to bring quality products to market. Sometimes best efforts aren’t enough and adverse weather events can impact crops and livestock. Drought, excessive rain, hail, flooding and hurricanes can cause significant damage, and leaving farmers with major losses. To protect their business, it is vital for agricultural producers to have the right insurance in-place to cover loss from adverse weather and other events beyond their control.

Tailored for your agricultural producer clients, Agricultural Coverage through Burns & Wilcox mitigates the financial loss resulting from damaged crops due to extreme weather events. Partner with Burns & Wilcox, a leading provider of wholesale insurance, to gain access to experts who can provide intelligent solutions for your agribusiness clients.


General contractors, specialty contractors and subcontractors are usually required by law or contract to have insurance. Each trade has different risks that need to be assessed when choosing the right coverage. Obtaining the necessary insurance specific to your clients’ needs can help protect their building materials and equipment on the job, in the shop and anywhere in between.

Distributors and Wholesalers

When products sit in a warehouse, they are susceptible to damage caused by fire, wind and water resulting of storms and floods. In fact, 39% of total claims for distributors and wholesalers are related to natural disasters. In order to ensure that your clients’ businesses run seamlessly, it is crucial their assets are protected.

Equipment and Servicing Rental

The equipment required to complete construction projects is highly specialized and requires skill to operate. An important first step for those who rent out equipment is to obtain an insurance policy that protects them from the liabilities of loaning equipment. In the event of an accident resulting in the bodily injury of a third-party, the proper coverage can help protect the renter from costly litigation fees.

Burns & Wilcox can provide access to Equipment and Servicing Rental Insurance for your clients who loan tools and machinery to protect against the exposures faced when operating a rental company. This coverage also includes property coverage for buildings and equipment.


Apartment buildings are more than just a place for people to live – to their owners they are an investment and a source of income. From apartment fires to visitor injuries, owners can be held liable for costly repairs or medical bills. Having the right insurance policy in place will help protect against the financial strain brought on by unanticipated loss or liability.

Health and Beauty

Health and beauty professionals have been sued for damaging their clients’ skin and hair. And it doesn’t matter if the damage was the result of a professional error or an equipment malfunction—they’re still liable for the damage. It is important that health and beauty facility operators obtain robust coverage to protect against the risks associated with their industry.


Your clients in the hospitality industry specialize in taking care of their guests. As a retail broker or agent, it’s up to you to take care of them and ensure that they’re protected from financial risks. From liquor liability to property damage to employee theft, there are dangers to your clients business that can cause them financial harm. With a comprehensive insurance package, you can protect your client from risk and allow them to focus on their guests.

Private: Layered Accounts


As manufacturing practices continue to evolve, it is important to obtain insurance coverage to protect against the risks associated with owning and operating a manufacturing business. The proper coverage will protect against potential financial strain resulting from accidents and claims, allowing owners to focus on remaining competitive.

Manufacturers Coverage through Burns & Wilcox provides insurance solutions for your clients that manufacture products from metal, plastic, lumber, fiberglass or other materials. We can arrange for a policy that will protect against instances such as property and equipment damage, bodily injury, theft, and products liability in the event of a third party injury.


Private: National Accounts



Those who own and operate commercial leisure and recreation businesses often work in unique environments, including outdoor spaces and specially designed studios. As a result, they face difference risk exposures compared to standard commercial operations. Claims of negligence, equipment damage or bodily injury can bring about costly litigation, which may result in business disruption. Obtaining the necessary insurance can help mitigate financial loss and help recreation professionals continue to successfully operate their business.



There is a unique set of issues and insurance risks that come with owning and operating a direct-to-consumer retail business. When the number one priority is to provide customers with quality merchandise, it is vital to keep the business in operation, even after store damages, liability claims or theft causes an interruption in income. Obtaining the necessary insurance can help mitigate financial loss and help merchants continue to serve consumers.



Whether your client transports products or passengers, it is essential that the right insurance coverage is in place to protect their operations, drivers and ability to serve customers. Obtaining the proper insurance can help your transportation industry clients mitigate the risks of a career on the road. Burns & Wilcox can provide access to a wide range of coverages to safeguard any vehicle – owned or for hire – used to transport passengers or products.

Applications for this product may vary. Please click below to find the office nearest to you for assistance.

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