What We Offer
Coverage Built for Small Business
Every business faces different risks. We offer a full range of commercial insurance products — and the expertise to help you choose the right combination for your situation.
General Liability Insurance
Your first line of defense against everyday business risks.
General liability insurance protects your business from claims involving bodily injury, property damage, and personal or advertising injury caused by your operations, products, or employees. Whether a customer slips in your store or your work accidentally damages a client's property, this coverage helps pay for legal fees, settlements, and medical costs.
Who Needs It
- Retail shops and restaurants
- Contractors and tradespeople
- Service-based businesses
- Any business that interacts with the public
What It Covers
- Third-party bodily injury claims
- Third-party property damage
- Personal and advertising injury
- Legal defense costs
- Medical payments
Commercial Property Insurance
Protect the physical assets that keep your business running.
Commercial property insurance covers your business's physical assets — including your building, equipment, inventory, and furniture — against damage from fire, theft, vandalism, and certain natural disasters. If the unexpected happens, this coverage helps you repair or replace what you need to get back to business quickly.
Who Needs It
- Business owners who own or lease a physical location
- Retailers with inventory
- Offices with valuable equipment
- Manufacturers and warehouses
What It Covers
- Building and structure damage
- Business equipment and machinery
- Inventory and stock
- Furniture and fixtures
- Loss of income from covered events
Workers' Compensation Insurance
Protect your employees — and your business — when injuries happen.
Workers' compensation insurance provides benefits to employees who are injured or become ill as a result of their job. It covers medical expenses, lost wages, and rehabilitation costs. In most states, it's legally required for businesses with employees — and it also protects you from lawsuits related to workplace injuries.
Who Needs It
- Any business with employees
- Contractors with subcontractors
- High-risk trades (construction, manufacturing)
- Businesses in states with mandatory coverage laws
What It Covers
- Employee medical expenses from work injuries
- Lost wages during recovery
- Rehabilitation and physical therapy
- Death benefits for surviving family members
- Employer liability protection
Business Owner's Policy (BOP)
Two essential coverages bundled into one affordable policy.
A Business Owner's Policy (BOP) combines general liability insurance and commercial property insurance into a single, cost-effective package. It's designed specifically for small and medium-sized businesses and often costs less than purchasing each policy separately. Many BOPs can also be customized with additional coverages to fit your specific needs.
Who Needs It
- Small to mid-sized businesses
- Retail stores and restaurants
- Offices and professional services
- Businesses wanting simplified coverage
What It Covers
- General liability (bodily injury, property damage)
- Commercial property (building, equipment, inventory)
- Business interruption coverage
- Optional add-ons for specific industries
- Cyber liability (available as add-on)
Professional Liability Insurance
Protection when a client claims your advice or service caused harm.
Also known as Errors & Omissions (E&O) insurance, professional liability coverage protects your business if a client claims that your professional advice, service, or work caused them financial harm. Even if the claim is unfounded, legal defense costs can be significant — this coverage helps you handle them without disrupting your business.
Who Needs It
- Consultants and advisors
- Accountants and financial professionals
- IT and technology service providers
- Healthcare and wellness practitioners
- Real estate professionals
What It Covers
- Claims of negligence or errors
- Omissions in professional services
- Breach of duty allegations
- Legal defense costs
- Settlements and judgments
Commercial Auto Liability
Coverage for the accidents your business vehicles cause on the road.
Commercial auto liability insurance pays for bodily injury and property damage your business vehicles cause to others in an accident. Personal auto policies typically exclude vehicles used for business purposes — making this coverage essential for any company that operates cars, trucks, or vans as part of its operations.
Who Needs It
- Contractors and tradespeople with work trucks
- Delivery and courier businesses
- Any business with employees who drive for work
- Companies with owned, leased, or rented vehicles
What It Covers
- Bodily injury to third parties
- Property damage caused by your vehicle
- Legal defense costs
- Medical payments for injured parties
- Uninsured/underinsured motorist coverage
Physical Damage Coverage
Repair or replace your business vehicles after a collision or covered loss.
Physical damage coverage protects your own commercial vehicles against damage from collisions, theft, vandalism, fire, and weather events. It typically includes both collision coverage (accidents with other vehicles or objects) and comprehensive coverage (non-collision events). If your vehicles are essential to daily operations, this coverage keeps you moving.
Who Needs It
- Businesses with owned or financed vehicles
- Fleets of trucks, vans, or specialty vehicles
- Contractors relying on equipment-carrying vehicles
- Any business where vehicle downtime means lost revenue
What It Covers
- Collision damage to your vehicle
- Theft and vandalism
- Fire, flood, and weather damage
- Glass and windshield damage
- Towing and rental reimbursement (optional)
Cargo Insurance
Protect the goods you haul — from pickup to delivery.
Cargo insurance covers the freight or goods your business transports against loss or damage during transit. Whether you're a trucking company, a courier, or a business that ships its own products, cargo coverage ensures that a damaged or stolen load doesn't become a financial disaster. Policies can be tailored to the type of cargo and the routes you run.
Who Needs It
- Trucking and freight companies
- Couriers and last-mile delivery services
- Businesses that ship high-value products
- Owner-operators and independent haulers
What It Covers
- Damage to cargo during transit
- Theft of freight in transit
- Loading and unloading incidents
- Refrigeration breakdown (for temperature-sensitive cargo)
- Debris removal after an accident
Not Sure What You Need?
Let Us Help You Find the Right Coverage
Our agents will review your business, identify your risks, and recommend the coverage that makes sense — at a price that fits your budget.