Places & property
The buildings, stock and equipment that keep you operating.
Commercial Lines
Your business moves.
Keep coverage in step.
New people. New equipment. Bigger contracts. We help you arrange insurance around how your business operates today.
Start with your operations
What needs to keep working?
Choose the part of your business you want to review. We’ll connect the policies around it.
People & work
Your employees, the advice you give and the work you deliver.
Vehicles & liability
On the road, on your premises and beyond a primary limit.
Example
The business grew. The policies stood still.
A contractor adds trucks, crews and bigger jobs. A coordinated insurance review could keep its coverage in step.
Then2 crews
Coverage arranged for a smaller operation.
Now6 crews
A dozen vehicles. Larger commercial bids.
The Pelorus approach
Review the changes before the next bid.
Match payroll, vehicles, drivers and contract requirements to the policies in force.
Read the scenario
Growth can leave limits too low, new drivers or vehicles unlisted, or contract requirements unmet. Gaps like these often surface only after a claim.
Pelorus would review each policy against payroll by job type, vehicles and drivers, and the insurance its contracts require. Where coverage falls short, Pelorus would help arrange changes such as higher limits or a commercial umbrella. Where weather slows work, it could also assess whether parametric insurance fits.
Coverage that matches the business today, with limits and contract requirements checked before the next large bid, not after a claim.
Who it’s for
Different operations.
Different exposures.
ContractorsRestaurants and barsApartment and building ownersProfessional officesCommercial truckersRetail shopping centersWholesale distributorsAuto service operations
See a club’s insurance and weather picture When nothing is damaged
Can the forecast still affect your revenue?
Rain, temperature and snow can move the numbers without a property claim. Weather protection connects an agreed measurement to a payment designed around your revenue and costs.
Explore Weather MarketsBefore we talk
A few useful answers.
What happens in an insurance review?
We look at what your business does today, what you own, who works for you and what your contracts require, then compare that with the coverage you carry. You'll see how your coverage fits, which options suit your operation and what changes would cost.
How early should I start before a renewal?
About 90 days ahead, and earlier for larger or more complex businesses. That leaves time to gather information, compare options and make changes without a rush.
Can Pelorus also look at how weather affects my business?
Yes. We can evaluate parametric insurance and weather derivatives around the rain, temperature or snow that affects your revenue and costs. We help you choose a measurement, period and payment structure that fits your business.
Your next step
Let’s put the pieces together.
Bring us the question. We’ll help you understand the exposure and the options available.
Prefer email? Contact our teamUseful for a first conversation
- Current declarations pages or policy schedule
- Loss runs for the past three to five years
- Payroll by job type
- Vehicle and driver schedules
- Contracts or leases that set insurance requirements
You don’t need everything ready to get in touch.