Every industry carries different risk. We help business owners nationwide find coverage that actually matches how their business operates — not a one-size-fits-all policy.
Most businesses end up with some combination of the policies below. We'll help you figure out which ones actually apply to you.
Protects your business against third-party claims of bodily injury, property damage, and advertising injury.
Covers vehicles owned or used by your business, including liability and physical damage.
Required in most states once you have employees — covers medical costs and lost wages after a workplace injury.
Bundles general liability and commercial property into one policy, often at a lower combined cost.
Covers claims that your professional advice or services caused a client a financial loss.
Helps cover the cost of a data breach, ransomware attack, or other cyber incident affecting your business or customers.
Covers your building, equipment, and inventory against fire, theft, and other covered perils.
Adds an extra layer of liability protection above the limits of your other business policies.
Covers rental properties you own, including liability exposure and loss of rental income.
A few of the industries we work with most often — each with its own common risks and coverage needs.
General liability, workers’ comp, tools & equipment, and coverage built around job sites.
Liquor liability, equipment breakdown, and property coverage for kitchens and dining rooms.
Coverage for your inventory, your space, and the everyday risks of a storefront.
Professional liability, cyber, and coverage built for businesses that sell expertise.
Landlord and rental dwelling coverage for one property — or a growing portfolio.
Beyond the industries above, we place coverage for a wide range of specialty contractors and trade businesses, including:
Framing Contractors
Interior Carpenters
Insulation Contractors
Remodeling Contractors
General Contractors
Cabinet Makers
Woodworkers
Fire Sprinkler Installers
HVAC Contractors
Plumbers
Welders
Landscapers
Handymen
Carpet Cleaners
Janitorial Services
& Other Contractors
We're not captive to one carrier. We compare general liability, BOP, and workers' comp options across our network to find the right combination of coverage and price.
Property, liability, auto, and workers' comp — we can often place your full business insurance program under one agency instead of juggling multiple providers.
When something happens, you call someone who already knows your business and your policy — not a call center.
Usually, yes. Even without employees, most sole proprietors and freelancers carry some form of general liability or professional liability coverage — often because a client, landlord, or contract requires proof of insurance before work can begin.
General liability covers third-party bodily injury, property damage, and advertising injury claims — think a customer slipping in your store. Professional liability (E&O) covers claims that your advice, service, or work caused a client a financial loss, which general liability doesn't address.
Nearly every state requires workers' compensation coverage once a business has employees, though the specific rules and exceptions vary by state. We can help you confirm exactly what applies to your business, wherever you're located.
Often, yes. A Business Owners Policy (BOP) bundles general liability and commercial property into a single policy, and we can typically add workers' comp, commercial auto, and other coverage under the same agency for easier management.
It depends on your industry, payroll, revenue, location, and the coverage limits you choose. Rather than guess, we'll shop your specific business across our carrier network and show you real numbers.
