Business Insurance

Protect your business with comprehensive commercial insurance solutions designed to address the unique risks of your industry.

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Business Insurance

Comprehensive Business Protection

Your business faces unique risks every day. From property damage and liability claims to cyber attacks and business interruptions, the right insurance coverage is essential to protect your investment and ensure business continuity.

We understand that every business is different, which is why we offer customized commercial insurance solutions tailored to your industry, size, and specific risk profile. Our experienced commercial insurance specialists work with you to identify potential exposures and create a comprehensive protection plan that fits your budget.

Essential Business Insurance Coverage

Comprehensive protection for all aspects of your business

General Liability

Protects against third-party claims for bodily injury, property damage, and advertising injury.

  • Bodily injury claims
  • Property damage
  • Personal and advertising injury
  • Legal defense costs

Commercial Property

Covers your business property including buildings, equipment, inventory, and furniture.

  • Building coverage
  • Business personal property
  • Equipment and machinery
  • Loss of income

Workers' Compensation

Required coverage for employee injuries and illnesses that occur on the job.

  • Medical expenses
  • Lost wage replacement
  • Disability benefits
  • Return-to-work programs

Cyber Liability

Protection against data breaches, cyber attacks, and technology-related business interruptions.

  • Data breach response
  • Cyber extortion
  • Business interruption
  • Privacy liability

Professional Liability

Covers claims arising from professional services, errors, and omissions.

  • Errors and omissions
  • Professional negligence
  • Breach of duty
  • Defense costs

Commercial Auto

Coverage for vehicles used in your business operations including liability and physical damage.

  • Liability coverage
  • Collision and comprehensive
  • Uninsured motorist
  • Hired and non-owned auto

Industry-Specific Solutions

Specialized coverage for your unique business needs

Retail & Restaurants

Coverage for customer injuries, product liability, spoilage, and equipment breakdown.

Contractors

Specialized coverage for construction risks, tools, equipment, and completed operations.

Healthcare

Medical malpractice, HIPAA violations, and specialized professional liability coverage.

Technology

Comprehensive cyber coverage, IP protection, and technology errors and omissions.

Education

Student accident coverage, professional liability, and abuse and molestation protection.

Professional Services

Errors and omissions, employment practices liability, and cyber liability coverage.

Manufacturing

Product liability, equipment breakdown, and business interruption coverage.

Real Estate

Property management liability, errors and omissions, and tenant discrimination coverage.

Business Owner's Policy (BOP)

A Business Owner's Policy combines general liability and commercial property insurance into one convenient package, often at a lower cost than purchasing separate policies.

Cost-Effective Solution

Bundled coverage typically costs less than separate policies

Simplified Coverage

One policy, one renewal, one point of contact

Business Interruption

Coverage for lost income and operating expenses

Equipment Breakdown

Protection for machinery and equipment failures

What's Included in a BOP

General Liability
Commercial Property
Business Interruption
Equipment Breakdown
Crime Coverage Optional
Cyber Liability Optional

Business Risk Assessment

Identify and mitigate potential risks to your business

Property Risks

  • Fire and explosion
  • Theft and vandalism
  • Weather damage
  • Equipment breakdown

Liability Risks

  • Customer injuries
  • Product defects
  • Professional errors
  • Employment practices

Business Interruption

  • Natural disasters
  • Supply chain disruption
  • Cyber attacks
  • Key person loss

Dedicated Claims Support

Expert guidance when you need it most

24/7 Claims Reporting

Report claims anytime, day or night, with our dedicated business claims hotline.

Dedicated Adjusters

Experienced commercial claims adjusters who understand business operations.

Fast Resolution

Streamlined claims process to minimize business disruption and get you back to work.

Preferred Vendors

Network of trusted contractors and vendors for repairs and restoration services.

Protect Your Business Investment

Don't leave your business vulnerable to unexpected risks. Get a comprehensive business insurance quote tailored to your industry and needs.