
COMMERCIAL
COVERAGE

General Liability
Covers bodily injury, property damage, and legal claims related to your business activities.
Often required by landlords and clients, it’s foundational protection for any operation.
Commercial Property
Protects buildings, inventory, furniture, and equipment from fire, theft, vandalism, and more.
Whether you lease or own your space, this keeps your business running after unexpected losses.
Workers Compensation
Mandatory in most states. Covers employee injuries, medical expenses, and lost wages.
Also protects your business from lawsuits related to workplace accidents or illnesses.
Professional Liability (E&O)
Critical for consultants, agencies, and service providers. Covers claims of negligence, mistakes, or failure to deliver. Even if the claim is unfounded, this protects against costly legal defense and settlements.
Business Owner Policy (BOP)
A BOP combines general liability and property coverage into one convenient policy designed for small to mid-sized businesses. It protects against things like lawsuits, property damage, and business interruption
Commercial Auto Fleet
This coverage protects vehicles used for business, whether it’s a single truck or an entire fleet. It includes liability, physical damage, and optional coverage for hired or non-owned autos.

Directors & Officers (D&O)
Protects company leaders from personal liability related to business decisions.
Ideal for corporations, startups, and nonprofits with boards, investors, or public scrutiny.
Commercial Umbrella
An umbrella policy provides extra liability protection beyond the limits of your primary policies. It’s designed to help cover large or unexpected claims that exceed standard coverage.
Excess Liability
Excess liability extends the limits of a specific underlying policy (like general liability or auto). It kicks in only after the base policy’s limits are exhausted.
Employment Practices Liability (EPLI)
Protects against claims of discrimination, wrongful termination, harassment, and other HR-related issues.
A must-have as your team grows and employee-related risks increase.
Cyber Liability
Cyber insurance helps protect your business from data breaches, ransomware, and other cyber threats. It covers costs like legal fees, customer notifications, and system recovery.

Already Have Coverage?
We offer free, no-pressure policy reviews. Whether your business is growing or your risk has changed, we’ll help you evaluate what you have and identify what you might be missing.