Protecting Your Hard Work
Customized risk management solutions for businesses of all sizes, from main street shops to contractors.
Industry-Specific Coverage Options
Retail Businesses
Gas stations, convenience stores, and retail operations.
Restaurants & Food Service
Restaurants, cafes, and food service operations.
Hospitality & Lodging
Motels, small hotels, and lodging establishments.
Professional Offices
Law firms, medical practices, and business offices.
Contractors & Construction
General contractors and construction businesses.
Transportation & Delivery
Trucking, logistics, and delivery services.
Core Commercial Insurance Coverages
General Liability Insurance
Protects your business from claims involving bodily injury, property damage, and personal or advertising injury. Covers legal defense costs and settlements.
Commercial Property Insurance
Covers your business property — including buildings, equipment, inventory, furniture, and tools — against losses such as fire, theft, vandalism, and certain weather events.
Business Owner's Policy
A cost-effective package that typically combines General Liability and Commercial Property coverage into one convenient policy for small to mid-sized businesses.
Workers' Compensation Insurance
Provides medical benefits and wage replacement for employees injured on the job. Required by law in most states — requirements vary based on business type and number of employees.
Commercial Auto Insurance
Covers vehicles owned, leased, or used by your business for accidents, injuries, and property damage.
Professional Liability
Also known as Errors & Omissions — protects against claims of negligence, mistakes, or failure to provide professional services as promised.
Recommended Add-On Coverages
Business Interruption Insurance
Replaces lost income and helps pay ongoing expenses if your business is forced to temporarily close due to a covered loss.
Equipment Breakdown Coverage
Pays to repair or replace essential equipment that breaks down due to mechanical or electrical failure.
Commercial Umbrella Insurance
Provides extra liability protection beyond the limits of your underlying policies, offering an added layer of security.
Cyber Liability Insurance
Protects your business from data breaches, cyberattacks, and ransomware. Covers notification costs, legal fees, and recovery expenses.
Employment Practices Liability
Covers claims related to wrongful termination, discrimination, harassment, or other employment-related issues.
Inland Marine Insurance
Covers tools, equipment, and property while in transit or at off-site job locations — especially important for contractors and service businesses.
Money-Saving Discounts
- Bundled Policy DiscountsSave by combining multiple coverages such as General Liability, Property, and Auto under one carrier.
- Risk Management & Safety ProgramsBusinesses with documented safety practices may qualify for reduced premiums.
- Claim-Free DiscountLower rates for businesses with a clean claims history.
- Pay-In-Full DiscountPaying your premium in full can help avoid installment fees and lower overall costs.