- Highlights
- Coverage
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Apply Now 
The Business Pro provides comprehensive protection for the insured building’s structure and other permanently installed fixtures. If you’re a tenant, the Buildings section can cover improvements and betterments you made to the rented building.
If you wish to insure the contents inside your business space, the Business Pro protects contents, such as business equipment, inventory, goods and furniture.
Optionally, you can include coverage for loss of income your business suffers after a covered peril. The income loss may be due to a disaster-related closing of the business or due to the rebuilding process after a disaster.
The Business Pro covers Accidental breakage of fixed glass that is not caused by a covered peril or caused by an unknown hazard.
If the keys to the insured property have been stolen, you can claim the costs of replacing the locks to the building, provided that theft and burglary are included in your coverage.
No separate insurance is needed to cover your investment. Solar Panels can be insured under the Buildings Section and are insured against new replacement value.
Covered Perils
Fire, Lightning, Explosion, Aircraft
Smoke
Burglary, Robbery, Theft
Windstorm, Hurricane, Tornado
Rain
Flood and Storm Surge
Earthquake / Tsunami
Volcanic Eruption
Vandalism
Violence and Riots
Escape of Water
Atmospheric Pressure
Glass and Accidental Glass Breakage
Collision by Motor Vehicles
Impact by Falling Objects and Meteorites
Additional Cover
Costs of Detecting Defect Pipes
Parking Facilities and Cameras
Equipment, FFF or Goods Left Outside
Equipment, FFF or Goods Temporarily Removed
Goods belonging to Employees
Benefits Over and Above the Sum Insured
Removal of Debris and Additional Costs
Salvage Costs
Storage and Transportation Costs
Garden, Landscaping and Pavement
Government or Local Authority Requirements
Replacement of keys and locks due to stolen keys
Optional Coverage
Business Interruption
Solar Panels
Third Party Goods
Loss of Rental Income (Buildings)
FLEXA
Covered Perils
hide
Yes
Fire, Lightning, Explosion, Aircraft
Yes
-
Smoke
-
-
Burglary, Robbery, Theft
-
-
Windstorm, Hurricane, Tornado
-
-
Rain
-
-
Flood and Storm Surge
-
-
Earthquake / Tsunami
-
-
Volcanic Eruption
-
-
Vandalism
-
-
Violence and Riots
-
-
Escape of Water
-
-
Atmospheric Pressure
-
-
Glass and Accidental Glass Breakage
-
-
Collision by Motor Vehicles
-
-
Impact by Falling Objects and Meteorites
-
Additional Cover
hide
-
Costs of Detecting Defect Pipes
-
-
Parking Facilities and Cameras
-
-
Equipment, FFF or Goods Left Outside
-
-
Equipment, FFF or Goods Temporarily Removed
-
-
Goods belonging to Employees
-
Benefits Over and Above the Sum Insured
hide
Yes
Removal of Debris and Additional Costs
Yes
-
Salvage Costs
-
-
Storage and Transportation Costs
-
-
Garden, Landscaping and Pavement
-
-
Government or Local Authority Requirements
-
-
Replacement of keys and locks due to stolen keys
-
Optional Coverage
hide
-
Business Interruption
-
New Replacement Value
Solar Panels
New Replacement Value
-
Third Party Goods
-
-
Loss of Rental Income (Buildings)
-
BUSINESS PRO
Covered Perils
hide
Yes
Fire, Lightning, Explosion, Aircraft
Yes
Yes
Smoke
Yes
Yes
Burglary, Robbery, Theft
Yes
Yes
Windstorm, Hurricane, Tornado
Yes
Yes
Rain
Yes
Yes
Flood and Storm Surge
Yes
Yes
Earthquake / Tsunami
Yes
Yes
Volcanic Eruption
Yes
Yes
Vandalism
Yes
Yes
Violence and Riots
Yes
Yes
Escape of Water
Yes
Yes
Atmospheric Pressure
Yes
Yes
Glass and Accidental Glass Breakage
Yes
Yes
Collision by Motor Vehicles
Yes
Yes
Impact by Falling Objects and Meteorites
Yes
Additional Cover
hide
Yes
Costs of Detecting Defect Pipes
Yes
Yes
Parking Facilities and Cameras
Yes
FLEXA
Equipment, FFF or Goods Left Outside
FLEXA
Yes
Equipment, FFF or Goods Temporarily Removed
Yes
Yes
Goods belonging to Employees
Yes
Benefits Over and Above the Sum Insured
hide
Yes
Removal of Debris and Additional Costs
Yes
Yes
Salvage Costs
Yes
Yes
Storage and Transportation Costs
Yes
Yes
Garden, Landscaping and Pavement
Yes
Yes
Government or Local Authority Requirements
Yes
Yes
Replacement of keys and locks due to stolen keys
Yes
Optional Coverage
hide
Yes
Business Interruption
Yes
New Replacement Value
Solar Panels
New Replacement Value
Yes
Third Party Goods
Yes
Yes
Loss of Rental Income (Buildings)
Yes
About Us
OUR COMMITMENT
At CG United, we are committed to providing quality service and absolute insurance protection. Our delivery on this commitment is the reason we’re one of the largest general insurers in the Caribbean offering all major classes of insurance.
FINANCIAL STRENGTH
CG United’s financial strength and solid reinsurance program have resulted in an A- Excellent rating by AM Best Co., USA. AM Best’s ratings are recognized worldwide as the benchmark for assessing a company’s financial security. Our annual strong ratings provide validation that CG United has the resources available to be there when our customers need us most.
CORALISLE GROUP
CG United Insurance Ltd. is a member of Coralisle Group Ltd. Coralisle Group (CG) is a Bermuda-based regional insurance provider with operations in 20 countries throughout the Caribbean and annual revenues in excess of US$600 million. CG is comprised of independently incorporated companies offering property and casualty insurance, employee benefits for pensions and health, and personal life insurance and investment products. Coralisle Group Ltd. is a subsidiary of Edmund Gibbons Limited in Bermuda.
Contact Us
Thank you for your interest in CG United. Please complete the form below to receive more information on our products and services.
CURAÇAO
BUSINESS HOURS:
Monday thru Friday08:00 - 17:00
ARUBA
BUSINESS HOURS:
Monday thru Friday08:00 - 12:00 / 13:30 - 17:00
