Commercial property

Northfield offers property coverages in all states, predominantly on a non-admitted basis.  Coverage is available on a single line or on a package basis.  Coverage including wind or hail coverage is available for risks that are situated in coastal areas.

Coverages

  • Agreed amount, no-coinsurance and flat insurance
  • Available preferred and standard property extensions
  • Building and personal property
  • Bailees and personal property of others
  • Business income and extra expense
  • Cause of loss – basic, broad and special
  • Equipment breakdown
  • Ordinance of law
  • Spoilage
  • Theft
  • Vacancy permit

Classes

Northfield provides property coverage to a wide variety of property risks, including:

  • Adult day care
  • Alcohol & drug rehabilitation centers
  • Auto service & repair
  • Bakeries
  • Builders risk
  • Child day care centers
  • Churches/Other house of worship
  • Clubs/Halls & Auditoriums
  • Convenience stores
  • Fitness centers
  • Flea markets
  • Funeral homes
  • Gas/Service stations
  • Habitational – apartments and dwellings
  • Health and exercise clubs
  • Homeless shelters, soup kitchens and missions
  • Homeowners associations
  • Hotels/motels
  • Lessor’s risk
  • Light manufacturing
  • Medical offices
  • Mercantile/Retail stores
  • Mixed use buildings (retail and hab)
  • Mobile home parks
  • Nursing/Convalescent Homes/Healthcare Facilities
  • Office risks
  • Pawn shops
  • Package and retail stores
  • Recreational facilities
  • Restaurants, bars & taverns
  • Schools
  • Self-service laundries/dry cleaners
  • Tanning salons
  • Temporary employment agencies
  • Vacant buildings
  • Warehouses