Outstanding protection for your personal and business insurance needs
Umialik offers a wide variety of both personal and commercial insurance products, all available at affordable and competitive prices. Whether you’re looking to insure your auto, business, home, or other types of dwellings, Umialik offers the reliable coverage you need and deserve.
Umialik is committed to providing high-quality insurance coverage to businesses. We specialize in small to mid-size rural and main street businesses, including everything from restaurants and mercantile to speciality contractors and auto repair shops. Umialik offers the following Commercial Lines coverages:
Businessowners Policy (BOP)
Commercial Package Policies
Employer's Practices Liability (See details below)
Employer's Practices Liability
Umialik now offers Employer's Practices Liability (EPL) coverage for eligible commercial policies, making it easier and affordable for employers to protect themselves against these increasingly prevalent claims. This EPL program protects employers against claims of discrimination, sexual harassment, wrongful termination, and other unlawful employment practices.
To access Umialik's EPL resource website (EmployerProtectionNet), click here.
EPL website resources:
Umialik also includes Equipment Breakdown insurance as part of our property policy, which helps our insureds avoid potentially disastrous coverage gaps. Equipment Breakdown insurance covers the physical and financial damage stemming from an insured equipment failure. It's the bottom-line protection essential for today's technology-intensive world. Umialik's policy pays for losses that aren't typically covered by standard property policies. Our insurance includes:
Steam boiler, piping, engine, or turbine explosion
Steam boiler loss or damage
Hot water heater loss or damage
Home is where the heart is, which is why Umialik believes it deserves the best protection. Whether you're a renter, a homeowner, or a condo unit owner, Umialik is here to help protect your home.
Umialik also offers optional Homeowner Equipment Breakdown coverage to help with repair and replacement costs for your home equipment when it breaks down. Covered equipment includes air conditioning and heating systems, dishwashers, PCs and laptops, media systems, refrigerators, washers, dryers, water heaters, ranges, ovens, lawn tractors, and more!
At Umialik, we offer excellent Personal Auto coverage at a fair price, and our unique Penalty-Free Promise says you will never pay a higher rate as the result of accidents or violations! Add to that a variety of discounts to make your premium even more affordable, and our experienced claim staff ready to provide outstanding service, our Personal Auto Insurance program is an ideal choice for Alaskan drivers.
Do you own multiple properties? Umialik offers Dwelling Fire Insurance to help policyholders like you cover various types of dwellings that their Homeowner Insurance does not cover. Whether it's property that you rent to others or a seasonal property that you own*, our Dwelling Fire Insurance provides the reliable and affordable protection you need.
*This option available only to policyholders with an underlying Umialik Homeowner policy
Personal liability suits sometimes reach devasting levels. That's why Umialik offers Personal Umbrella Insurance — a policy that provides an extra layer of liability coverage over that provided by your other personal insurance policies. The Personal Umbrella Insurance policy increases certain limits to $1 million or more, providing the extra coverage that can help secure individuals and families from severe liability costs. This affordable policy is available to policyholders who have both a Personal Auto policy and a Homeowner policy from Umialik.