engineering & construction

Technical malfunctions, material defects and operating errors can cause plant and machinery downtimes. On construction sites or during installation projects, external factors such as natural hazards or fire risks exacerbate the risk exposure. Our insurance solutions provide insurance for existing risks. Hype Cap customers across all industries and categories have access to risk engineers that provide support to clients in the form of early identification and avoidance of potential risk situations.

flood

Most business insurance policies don't cover losses resulting from floods, and if you're located in a low-risk flood area, you might be tempted to bypass this important coverage. However, flooding can occur anywhere and the cost of damages could be overwhelming to your business. If you've invested money in equipment or a building, flood insurance is an important consideration to protecting your business.

marine

Supply chains are globally interlinked and this is leading to an increased requirement for insurance against damage to goods in transit and to higher standards in the choice of carrier and in the loading of goods. For companies, it is vital that shipments reach recipients undamaged and on time. Our risk engineers provide support on a wide range of issues, such as inland marine exposures, transportation exposures, commercial property coverage, hull insurance, cargo exposures and marine liability.

Mining & Equipment

Mining companies face many industry specific issues such as safety concerns, operational liabilities, intense regulatory pressures and occupational disease (black lung) that can leave mining clients exposed to large claims. At Hype Cap, we deliver solutions and services related to managing risk exposures for mining exploration and operations. We have in-depth expertise working directly with mining companies on risk management, legal, loss control, underwriting, environmental, construction, surety and mine reclamation.

professional liability

There are many external factors beyond your control that can affect your business. Your company can be hit with allegations of misrepresentation, breach of contract or wrongful business practices. Our experts can provide guidance on the necessary professional liability insurance for your needs, covering defense costs, judgments, settlements and fines or penalties resulting from the allegations of misrepresentation, breach of professional services, wrongful business practices, misleading advice and conflict of interest.

property & business interruption

In addition to a standard business owners' policy, it is important that you are properly covered for losses you may experience in the event that the physical assets of your business - your building and its contents, including owned or leased equipment, and outdoor fixtures - are damaged or destroyed. 

Commercial property coverage may include losses resulting from weather-related events, building collapse, civil commotion, equipment breakdown or damage caused by vehicles, vessels, aircraft or vandalism. 

Business interruption insurance covers net profit, ongoing expenses and extraordinary expenses when a business is disrupted by natural disasters, terrorism, employee fatality, etc.

rail

We understand that rail companies of all sizes face several risks in their day-to-day operations. Each risk has unique insurance needs that demand specialized coverage. Our team has extensive knowledge in managing railroad insurance-related risks and we pride ourselves on tailored insurance solutions that meet the traditional and emerging needs of the rail industry.

renewable energy

As stewards of the environment, there’s a need to reduce our dependence on fossil fuels and lessen our carbon footprint. Sustainability is necessary to ensure that the earth’s natural resources will be available to present and future generations. This need has created an opportunity for renewable energy companies to find new and more efficient ways to produce the energy required, but with new and smarter solutions comes the demand for even smarter insurance products and risk management services. At Hype Cap, we can cover every aspect of a renewable energy project, from ideation and development to operational risks.

umbrella

Umbrella insurance provides your business with additional liability coverage to help protect against the potentially ruinous costs of claims. Significant assets can be at risk when businesses are the target of lawsuits. If the cost of a claim exceeds the limits of your business’s underlying primary insurance policies, commercial umbrella insurance extends liability coverage for an additional layer of insurance. Hype Cap can help you understand the limits of your primary business coverage to further protect business assets.

worker’s compensation

Workers' compensation insurance protects employees and employers from liabilities associated with workplace injury and death, including medical bills, disability payments, partial missed wages, etc. Hype Cap will help you understand the applicable regulations and identify coverage options that reduce liability risks to your organization. You can meet your compliance requirements, lower your costs and still protect your employees the way they deserve.