Businessowners / Package
Combines eligible property and liability coverages into one policy for many small and midsize businesses.
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Commercial coverage
Build coverage around the way your business actually operates.
A good insurance program is more than a list of policies. We help you look at the exposures, understand what each coverage is designed to do, and identify areas that may need a closer look.
Core business coverage
The policies we review most often.
Not every business needs every policy. The right combination depends on your operations, property, employees, vehicles, contracts and industry.
General Liability
Helps protect against covered claims involving third-party bodily injury, property damage and certain personal or advertising injuries.
Workers Compensation
Coverage for work-related employee injuries and illnesses, subject to applicable state law and policy terms.
Commercial Auto
Coverage for vehicles used in your business, including liability and available physical damage options.
Commercial Property
Coverage options for buildings, contents, equipment and other insured property.
Umbrella / Excess
Additional liability limits above eligible underlying policies for larger or more severe claims.
Professional Liability
Coverage designed for claims involving professional services, errors, omissions or alleged negligence.
Cyber Liability
Coverage options for certain data breaches, cyber incidents, recovery expenses and related liability exposures.
Employment Practices
Coverage options for certain employment-related allegations such as discrimination, harassment or wrongful termination.
Liquor Liability
Important coverage consideration for eligible businesses that sell, serve or furnish alcohol.
Garagekeepers
Coverage designed for customer vehicles left in the care, custody or control of eligible auto businesses.
Equipment & Specialty
Additional coverage may be available for tools, mobile equipment, spoilage, equipment breakdown and other specific exposures.
Our approach
We look for the gaps between the policies.
A business can have several policies and still have an uncovered exposure. We look at how your policies work together, where limits may be thin, and whether your current program still matches your operations.
OperationsWhat you do, where you do it and how your business has changed.
PropertyBuildings, contents, equipment, inventory and income exposure.
PeopleEmployees, payroll, job duties and employment-related exposures.
VehiclesOwned, hired and non-owned vehicle use and driver exposures.
ContractsInsurance requirements, additional insured needs and limits.
LimitsWhether a serious claim could exceed the protection you currently carry.
Start with what you have
Already insured? Send us your current policies.
You do not need to know exactly what coverage you need before contacting us. We can review your current program and tell you what information would help us move forward.