Coverage OPTIONS
Business Owners Policy (BOP)
Combines general liability and commercial property coverage into a coordinated policy structure for qualifying businesses.
Commercial Auto
Covers liability and physical damage for vehicles titled to or used in business operations.
Commercial Property Insurance
Protects owned buildings, equipment, inventory, and business personal property against covered loss events.
Contractor Insurance
Structured coverage including general liability, tools and equipment, and project-based risk considerations for trade operations.
General Liability
Covers third-party bodily injury, property damage, and certain advertising injury claims arising from business operations.
Professional Liability (E&O)
Protects against claims alleging professional negligence, errors, or failure to deliver contracted services.
Workers’ Compensation
Provides statutory benefits for employee injuries or occupational illness and protects the employer from related liability claims.
ADDTIONAL COVERAGE OPTIONS
Cyber Liability
Addresses data breach response, network security liability, and regulatory exposure arising from digital operations.
Directors & Officers (D&O)
Protects company leadership against management liability allegations from shareholders, members, or third parties.
Employment Practices Liability (EPLI)
Covers claims alleging wrongful termination, discrimination, harassment, or other employment-related allegations.
Equipment Breakdown
Protects against mechanical or electrical failure of critical systems necessary for operations.
Inland Marine Coverage
Covers tools, equipment, and materials that move between job sites or locations.
Umbrella / Excess Liability
Provides additional liability limits above general liability, auto, and employer liability where required.
Industries We COVER
General contractors and trade professionals
Growing privately held enterprises
Home-based and remote-first businesses
Hospitality and service-based businesses
Professional and advisory service firms
Real estate investors and property managers
Retail, storefront, and customer-facing operations
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Business risks evolve as operations grow, employees are added, contracts change, and assets increase. A periodic review helps ensure your insurance coverage keeps pace with your business and protects against unexpected liability.