Coverage Types We Offer
From general liability to cyber insurance to homeowners — we build complete programs that cover your business and your personal assets. Access to 100+ carriers means we find the right fit, not just the first option.
What commercial coverage does your business need?
General Liability
The foundation of every commercial program. Covers third-party bodily injury, property damage, and personal/advertising injury claims. Required by virtually every landlord, client contract, and licensing board.
Commercial Property
Protects your building, equipment, inventory, furniture, and tenant improvements against fire, theft, vandalism, and weather damage. Includes business personal property and can be extended to cover equipment breakdown.
Commercial Auto
Coverage for business-owned vehicles — from a single van to a 50-truck fleet. Includes liability, collision, comprehensive, and uninsured/underinsured motorist. We factor in your SAFER data and driver history for fleet operations.
Workers' Compensation
Required in most states if you have employees. Covers medical expenses and lost wages for work-related injuries and illnesses. Rates vary dramatically by industry — we place with carriers who understand your specific class codes.
Professional Liability / E&O
Protects against claims arising from your professional services — bad advice, errors in work product, failure to deliver. Essential for consultants, IT companies, accountants, and any business that gives advice or performs skilled services.
Cyber Liability
Covers data breaches, ransomware attacks, regulatory fines, notification costs, and business interruption from cyber events. Critical for any business that stores customer data, processes payments, or relies on digital systems.
Cargo & Inland Marine
Protects goods in transit and specialized equipment. Includes spoilage coverage for temperature-sensitive cargo. Essential for distributors, trucking companies, and businesses that move high-value goods.
Liquor Liability
Covers claims when alcohol service leads to injury or property damage by an intoxicated patron. Required by most states for any establishment serving alcohol — including beer and wine only.
Umbrella / Excess Liability
Provides higher limits above your GL, auto, and employers' liability. When a serious claim exceeds your primary policy, umbrella coverage is the difference between a manageable loss and a catastrophic one.
Business Owner's Policy (BOP)
Bundles GL and property into one streamlined policy at a lower cost. A good fit for small, low-risk businesses. Most operations outgrow a BOP once they add vehicles, employees, or higher-risk services.
Product Liability
Protects manufacturers, distributors, and retailers against claims from defective or harmful products. Covers bodily injury, property damage, and recall expenses.
Business Interruption
Covers lost revenue and ongoing expenses when a covered event forces you to close temporarily. Pays rent, payroll, and loan payments while you rebuild. The coverage most businesses skip and most regret.
Employment Practices (EPLI)
Covers claims from employees alleging discrimination, harassment, wrongful termination, or wage disputes. Even unfounded claims require expensive legal defense. Important for any business with employees.
Directors & Officers (D&O)
Protects company leadership from personal liability for decisions made on behalf of the business. Essential for companies with boards, investors, or complex governance structures.
Surety Bonds
Guarantees performance on contracts and compliance with regulations. Required for contractors, auto dealers, and businesses needing licensing bonds. We place bid bonds, performance bonds, and license/permit bonds.
Pollution Liability
Covers environmental contamination claims — chemical spills, fume exposure, hazardous waste. Often excluded from standard GL policies. Essential for salons, contractors, manufacturers, and any business handling chemicals.
Garage & Garagekeepers
Garage liability covers your auto service operations. Garagekeepers covers customer vehicles in your care, custody, and control. Essential for repair shops, body shops, and dealerships.
Crime & Fidelity
Covers losses from employee theft, forgery, fraud, and computer crime. Protects against internal threats that GL and property policies don't cover.
Protect what matters at home, too.
Many of our commercial clients also trust us with their personal coverage. Bundling personal and business policies with one agent means better coordination, fewer gaps, and often better pricing.
Homeowners Insurance
Covers your home's structure, personal belongings, liability, and additional living expenses if you're displaced. We shop multiple carriers to find the right balance of coverage and cost.
Personal Auto
Liability, collision, comprehensive, and uninsured motorist coverage for your personal vehicles. We find competitive rates without sacrificing the limits you actually need.
Rental & Investment Property
Landlord / dwelling fire policies for properties you own but don't live in. Covers the structure, liability, and loss of rental income. Different from homeowners — designed specifically for investment properties.
Not sure what coverage you need?
Tell us about your business and we'll recommend the right combination. No jargon. No upselling. Just the coverage that fits.