Commercial & Business Owners Insurance

A tailored commercial package built around your property, liability, and casualty needs — whether you're a retailer, contractor, or professional office.

The most basic — and essential — commercial liability coverage. It protects your business from third-party bodily injury and property damage claims.

State-mandated coverage that pays lost wages and medical care when an employee is hurt on the job. Correct class codes keep your premium fair.

Coverage for the vehicles your business depends on — cars, vans, trucks, and more. Personal auto policies often won't cover business use.

Protects your building and its contents — and the lost income that follows damage. Covering only the structure often isn't enough.

Extra liability protection above your existing business policies — up to $10 million — for the catastrophic claims that can devastate an unprepared business.

Replaces lost income and ongoing expenses when a covered disaster forces your business to close temporarily — as vital to survival as property coverage.

Liability and coverage built around your trade — general liability, completed operations, and the extras that protect you from job-site and contract risk.

Protection after a data breach involving sensitive customer information — covering legal fees, customer notification, system repair, and data recovery.

Errors & omissions coverage for professionals — protecting you when a mistake, undelivered result, or negligent service causes a client a financial loss.

Shields directors and executives from personal financial loss when sued over their leadership role, and helps the organization cover legal defense costs.

Protects your business against employee claims — harassment, discrimination, wrongful termination, and more. No company is immune, regardless of size.

Liability, workers comp, loss of income, property, and crime coverage built for restaurants, bars, food trucks, caterers, and cafes.

Course-of-construction coverage protecting buildings under construction or major renovation — including materials staged on-site or awaiting transport.

Coverage for private carriers and owner-operators — primary liability, cargo, physical damage, and occupational accident protection for your trucks.

Protection for goods in transit by ocean, road, or across borders — for manufacturers, importers, exporters, traders, and logistics companies.

Comprehensive coverage for churches and faith-based organizations — liability, property, D&O, auto, and specialty endorsements many insurers won't write.

Coverage for auto businesses — we untangle garage liability vs. garage keepers so customer vehicles in your care, custody, or control are properly covered.

Comprehensive coverage for trainers, instructors, and gym owners — general liability, equipment, and professional liability that protects without overspending.

Adaptable commercial coverage for pro shops, golf courses, and country clubs of any size, backed by real commercial insurance expertise.

Independent access to many farm carriers, plus an on-farm needs analysis covering buildings, equipment, livestock, crops, liability, and more.

Specialized coverage for dispensaries, growers, manufacturers, and CBD businesses — an emerging industry many carriers won't write, where we know the risks.

We match employers to group health, dental, and disability plans across many carriers, and help you navigate today's high-deductible, HSA-compatible options.

Tailored coverage and risk management for senior care facilities, medical practices, therapy businesses, and other healthcare services.

Guidance on skilled home health services and how Medicare, Medigap, and other coverage pay for effective, lower-cost care delivered in your home.

A supplemental plan that pays cash directly to you during a hospital stay — helping cover out-of-pocket costs and lost income that health insurance leaves.

Help navigating surety, contract, lost title, and license & permit bonds — we identify what you need, provide the bond, and deliver it to the requesting party.

We identify the threats to your financial future and handle them — through assumption, retention, transfer, or avoidance — as part of every client relationship.