Coverage Options
We offer a wide range of commercial insurance products to protect your business from various risks. Here are the main coverage types:
General Liability
Protects your business from claims of bodily injury, property damage, and personal injury. This is essential coverage that most businesses need, especially if you have customers or clients visiting your premises.
Commercial Property
Covers your business property, including buildings, equipment, inventory, and furniture. This coverage protects against fire, theft, vandalism, and other covered perils.
Commercial Auto
Protects vehicles used for business purposes. This includes company cars, delivery vehicles, and fleet vehicles. Coverage can include liability, collision, and comprehensive protection.
Workers' Compensation
Required in most states if you have employees. Provides medical benefits and wage replacement to employees injured on the job. This coverage protects both your employees and your business.
Business Owner's Policy (BOP)
A bundled policy that combines general liability and commercial property coverage at a discounted rate. Ideal for small to medium-sized businesses, offering comprehensive protection in one convenient package.
Additional Coverage Options
- Professional Liability (E&O): Protects against claims of negligence or errors in professional services
- Cyber Liability: Covers data breaches and cyber attacks
- Employment Practices Liability: Protects against employment-related claims
- Umbrella Insurance: Extra liability coverage beyond your primary policies
- Business Interruption: Covers lost income if your business is forced to close temporarily
Industries Served
We have experience working with businesses across various industries:
- Contractors: General contractors, electricians, plumbers, HVAC, and specialty trades
- Retail: Stores, shops, restaurants, and service businesses
- Trucking/Fleet: Commercial vehicles, delivery services, and transportation companies
- Beauty Businesses: Salons, spas, barbershops, and estheticians
- Consultants & LLCs: Professional services, consultants, and limited liability companies
- Manufacturing: Production facilities and manufacturing operations
- Technology: IT services, software companies, and tech startups
Why Choose Us for Commercial Insurance
- Licensed Commercial Agent: We're licensed to write both personal and commercial policies
- Industry Expertise: We understand the unique risks different industries face
- Customized Solutions: We tailor coverage to your specific business needs
- Competitive Rates: We work with multiple carriers to find you the best pricing
- Claims Support: We're here to help when you need to file a claim