At Alpha Insurers, our professional staff will make protecting your business as easy as 1-2-3.
We have over 30 years of experience in writing Commercial Insurance, providing Guam’s business owners with a variety of insurance coverage tailored for their individual business operations and budget.
We can cover your building, business property/ fixtures & stock-in-trade inventory (inventory for sale) from perils or causes of loss under Property Insurance policy such as:
- Vandalism & Malicious Mischief
- Extended Coverage (Explosions, Falling Aircraft/Objects, Smoke)
- Other Perils (Riot & Strikes, Bursting Pipes)
In a world of legal suits and counter suits, being caught in a bad situation could really jeopardize the existence of your company. We come into the picture by providing affordable General Liability Insurance to protect your business from having to deal with all kinds of legal issues that your company could be legally liable for.
General Liability Policy Coverage Types:
- Comprehensive General Liability
- Owners, Landlord & Tenants Liability
- Manufacturers & Contractors Liability
- Owners & Contractors Protective Liability
- Professional Liability
- Directors & Officers Liability
What General Liability Covers:
- Bodily Injury & Property Damage to 3rd parties
- Completed Operations & Product Liability
- Liquor Liability Insurance
- Innkeepers Liability
- Fire Legal Liability
- Non-Owned & Hired Automobile Liability
- Premises Medical Payments
- Personal Injury and Advertising Injury
- Contractual Liability
This is majority of the coverage offered by our insurance carrier, but we are not limited to what is stated. We are flexible enough to find any special coverage your business may need.
We offer both of the following coverages under our Workmen’s Compensation Policy:
Coverage A: Workmen’s Compensation
(PUBLIC LAW 80, First Guam Legislature)
To Pay promptly when due all compensation and other benefits required of the insured by the Workmen’s Compensation.
Coverage B: Employer’s Liability
All sums which the insured shall become legally obligated to pay as damages of bodily injury by accident or disease, including death at any time resulting there-from, sustained by an employee of the insured arising out of and in the course of his/her employment by the insured.
The Estimated Annual Payroll is needed to quote on a yearly basis.
Crime Insurance is a necessity for your business in protecting it against law-breaking individuals. This is just a brief overview of what we offer:
- Mercantile Robbery & Safe Burglary Insurance
Insurance Coverage to protect your business against Robberies & Safe Burglaries.
- Mercantile Open Stock Burglary
Insurance coverage to protect the contents of your business from burglars.
- Employee Dishonesty
Coverage to protect your business from dishonest employees stealing or conspiring against your company.
- Innkeepers Liability
Coverage to protect your business against property damage, stolen properties, or bodily injury of guests or patrons staying or visiting your business premises.
Many businesses believe glass is covered under Property Insurance if their building is covered, but it isn’t. Our Glass All Risk Insurance Coverage protects the fragile, valuable glass on your business establishment such as windows, door plate glass, etc.
Builders Risk is contractor’s insurance protection for a project under construction. This insurance coverage protects the contractor from sustaining any losses due to the perils stated in the policy during construction period of the project.