Insurance We Offer

Commercial Insurance

Pilat Insurance offers liability insurance, vehicle insurance, property insurance, bonds and many other types of commercial insurance. We are here to help you protect your business, its assets, and your income if your business suffers a loss.

What does this mean?

Merriam-Webster uses the following to define insurance: coverage by contract whereby one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril; a means of guaranteeing protection or safety.

Pilat Insurance has been helping to protect businesses for over 65 years. We understand all the various types of insurance available to you. Pilat Insurance will work with you to identify your business insurance needs and help you choose the appropriate insurance coverage.

What kinds of items can you protect with commercial insurance?

Pilat Insurance offers the following commercial insurance:

Bonds: a written promise that an insurance company will protect your assets and back up a promise made to someone else

Construction Bonds for Contractors

  • Bid
  • Performance
  • Payment
  • Supply

Fidelity Bonds

  • Dishonesty (Janitorial)
  • ERISA (Pension Plans)

Surety Bonds

License & Permit Bonds

  • Contractor License/Registration
  • Highway & Street Permit
  • Agent/Adjuster/Broker License
  • Fuel Dealer
  • Professional License
  • Automobile Dealer
  • Alcoholic Beverage Compliance
  • Durable Medical Equipment/Supplier/Medicare

Probate Bonds

  • Administrator
  • Executor/Executrix
  • Guardianship
  • Trustee Bonds

Public Official Bonds

  • Notary Public
  • County/City/School Treasurer Bonds
  • Court Clerks

Business Automobile Insurance


  • Catering trucks
  • Delivery vehicles
  • Dump trucks
  • Flatbed trucks
  • Ice cream trucks
  • Pick-up trucks
  • Refrigerated trucks
  • Tow trucks


  • Concession trailers
  • Flatbed trailers
  • Travel trailers
  • Utility trailers


  • Cars
  • Cargo vans
  • Hearses
  • Limousines and livery vehicles (including Amish taxis)
  • Minivans
  • Passenger vans
  • Pick-up trucks
  • Sport utility vehicles

Buses & Motor Homes

  • Church Bus
  • School Bus
  • Tour Bus
  • Wheelchair Bus
  • Motor Home

Specialty Coverages

  • Cargo Coverage - insures cargo transported on behalf of someone else
  • Downtime Coverage - covers rental of replacement vehicles

Director's and Officer's Liability Insurance - covers officers and directors of an organization from liability claims stemming from their suspected misjudgments and unjust acts

General Liability Insurance - protects the business against third-party liability claims

Liquor Liability Insurance - provides a business coverage for bodily injury or property damage if they are held legally liable because of:

  • causing or contributing to the intoxication of any person
  • furnishing alcoholic beverages to a person under the legal drinking age or under the influence of alcohol
  • violating any statute, ordinance, or regulation relating to the sale, gift, distribution, or use of alcoholic beverages

Pollution Liability Insurance - covers costs related to pollution, such as the costs associated with restoration and cleanup or the liability for injuries and deaths caused by pollution

Professional Liability Insurance - protects professionals such as doctors, lawyers, engineers, beauticians, architects, and insurance agents against third-party liability claims due to negligence in their performance of professional services

Property Insurance - covers loss to an organization's buildings or business personal property, including a tenant's improvements to a leased space

Umbrella Liability Insurance - provides "catastrophic liability" coverage that extend above and beyond those of the insured's other commercial policies

Call Pilat Insurance now (440-888-1150) and speak with a representative to schedule an appointment. You can also fill out our simple Request A Quote form and a representative will contact you within 1 business day.

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© Pilat Insurance Agency Inc.5925 Ridge Road, Parma, Ohio  44129-3996      Phone: 440-888-1150