Business & Personal Insurance

Commercial Insurance Department

At William Rittenhouse Insurance Agency, we work with our business clients to provide affordable insurance protection that will cover your business property and liability exposures. The following is a list of COMMERCIAL INSURANCE LINE products and options that we offer. Please note that it is not all-inclusive. We are highlighting some of the more-commonly requested insurance coverages, available through William Rittenhouse Insurance Agency.

From insuring a metalworking operation to valuable cargo, from protecting employees in the office or traveling abroad to protecting assets in emerging markets, we have the insurance solution. Many of our products include features that are missing or expressly excluded from typical industry policies.
General Liability
General liability insurance is an essential element of any comprehensive insurance program. William Rittenhouse Insurance Agency is known for our commitment to continually update our products to keep pace with the challenges our customers face.

Inland Marine
William Rittenhouse Insurance Agency recognizes that inland marine business requires creative and technical insurance solutions, and as result, is one of the most experienced inland marine insurers in North America.

Tools & Equipment
Equipment Breakdown coverage includes direct damage to your machinery and equipment resulting from mechanical breakdown, electrical current, arcing or explosion of steam boilers occurring on premises. It will also cover loss of business income resulting from equipment damage.

Workers Compensation
Workers' Compensation Insurance for hazardous industries. Choosing the right Workers' Compensation Insurance is essential for your business. William Rittenhouse Insurance Agency is experienced in providing Workers' Compensation Insurance to the toughest class of business there is - low frequency, high severity accounts.

Umbrella / Excess Liability
Commercial umbrella (aka excess) liability insurance is an important source of protection that supplements the limits of an insured's underlying policies such as general liability, automobile liability, and employers liability. Umbrellas also protect insureds from exclusions and gaps that exist in their primary liability insurance.

A Fidelity Bond covers employers from losses stemming from dishonest and/or negligent actions of their employees. Fidelity Bonds reimburse employers for losses, up to the amount of the bond, from employee fraud, theft, forgery, and embezzlement of the company's cash and other valuable assets.

As a general contractor or sub contractor, you need General Liability Coverage for your job site and completed product or service.

As independent agents, we strive to know which insurance companies have the best products and which policies are best for a specific client's needs. We have chosen to represent the following insurance companies, and occasionally use others to fill a particular need: