Commercial Insurance

General Liability Insurance

General liability insurance provides essential coverage for businesses, protecting against claims of bodily injury, property damage, and personal injury that occur on your premises or as a result of your operations. If a customer slips and falls or your business accidentally damages a client’s property, this coverage helps cover legal fees, medical costs, and settlements.

Commercial Property Insurance

Commercial property insurance safeguards your business’s physical assets, including buildings, equipment, inventory, and furniture, from risks like fire, theft, vandalism, and natural disasters. This coverage is vital whether you own or lease your workspace.

Business Owner's Policy (BOP)

A Business Owner’s Policy (BOP) combines general liability and commercial property insurance into one convenient and cost-effective package. It protects your business from property damage, liability claims, and business interruptions, helping you stay covered against common risks. 

Workers' Compensation Insurance

Workers’ compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation costs if an employee is injured or becomes ill due to work-related activities. It also helps protect your business from legal claims related to workplace injuries. In most states, this coverage is required for businesses with employees.

Professional Liability Insurance / Errors and Omissions (E&O)

Errors & Omissions (E&O) insurance, also known as professional liability insurance, safeguards your business against claims of negligence, mistakes, or inadequate work. If a client alleges that your services caused financial loss, this coverage helps with legal fees, settlements, and defense costs.

Directors and Officers Insurance (D&O)

D&O insurance protects the personal assets of company directors and officers if they are sued for decisions made while managing the business. It covers legal fees, settlements, and other costs related to claims of mismanagement, negligence, or breach of duty.

Commercial Auto Insurance

Commercial auto insurance provides coverage for business-owned vehicles used for work-related purposes, protecting against accidents, property damage, and liability claims. This coverage can protect a single company car or an entire fleet, the right policy helps cover repairs, medical costs, and legal expenses.

Cyber Liability Insurance

Cyber liability insurance helps safeguard your business from financial losses caused by data breaches, cyberattacks, and other digital threats. It can cover expenses related to legal fees, customer notifications, data recovery, and even reputational damage. In today’s digital world, protecting sensitive information is more important than ever.

Commercial Umbrella Insurance

Commercial umbrella insurance provides additional liability coverage beyond the limits of your existing business policies, such as general liability, commercial auto, and workers' compensation. It helps protect your business from costly lawsuits, large claims, and unexpected legal expenses that could exceed your primary coverage.

Employment Practices Liability

Employment Practices Liability Insurance (EPLI) covers businesses against claims of wrongful termination, discrimination, harassment, retaliation, and other employment-related issues. Even if a claim is unfounded, legal defense costs can be expensive—EPLI helps safeguard your business from financial loss.