Coverage designed around your business
Business Insurance
Business Insurance
Why Business Insurance Matters
Running a business means taking risks, but those risks don’t have to threaten your livelihood. Business insurance protects your company’s assets, employees, and reputation from losses that could otherwise halt operations or drain resources. From everyday liabilities to industry-specific risks, the right coverage keeps you focused on growth while we handle the what-ifs.
Jump to:
- Business Owners Policy (BOP)
- General Liability
- Business Auto
- Commercial Property
- Workers’ Comp
- Commercial Umbrella
- Cyber Liability
- Contractor
- Church
- School
- Medical Office
- Employment Practices Liability
- Errors & Omissions Liability
- Directors & Officers
- Business Flood
- Crime
- Builders Risk
- Liquor Liability
- Special Event
- Surety Bonds
- Ocean Marine
- Inland Marine
- Environmental
- Systems Breakdown
- Key Man Life Insurance
- Fiduciary Liability
- Captive Insurance
Business Owners Policy (BOP)
Running a business comes with enough challenges; you don’t need insurance to be another. A BOP combines property and liability protection into one policy, making coverage comprehensive and cost-effective.
Coverage highlights:
- Protection for buildings, equipment, and inventory
- Liability for accidents, injuries, or property damage
- Business interruption coverage for lost income after a disaster
- Customizable add-ons for your industry
A BOP keeps your business secure while you focus on growth.
General Liability Insurance
Accidents happen, and even small claims can put your business at risk. General liability insurance helps cover lawsuits, medical costs, and damages, so one mistake doesn’t jeopardize your future.
Coverage includes:
- Bodily injury and property damage claims
- Legal defense costs
- Advertising injury (libel, slander, copyright infringement)
- Products/completed operations coverage
General liability is the foundation of business protection.
Business Auto Insurance
If your business owns or operates vehicles, a personal auto policy won’t cover the risks. From delivery vans to service trucks to entire fleets, commercial auto insurance protects your business from the financial fallout of accidents, injuries, and property damage.
Coverage often includes:
- Liability for bodily injury and property damage caused by your drivers
- Physical damage coverage for owned or leased vehicles
- Medical payments for drivers and passengers
- Uninsured/underinsured motorist coverage
- Hired and non-owned auto coverage (for rented or employee vehicles)
Whether you run one truck or a full fleet, we’ll keep your business moving forward safely.
Commercial Property Insurance
Your business’s physical assets, buildings, equipment, and inventory are vital to your operations. A fire, theft, or storm could put everything at risk. Commercial property insurance helps you recover quickly without absorbing devastating losses.
Coverage may include:
- Buildings, fixtures, and signage
- Furniture, equipment, and technology
- Inventory and stock
- Business interruption (lost income during repairs)
- Optional protection for flood, earthquake, or other perils
Protecting your property means protecting your livelihood.
Workers’ Compensation Insurance
Employees are your greatest asset, and accidents can happen in any workplace. Workers’ compensation insurance provides wage replacement and medical benefits if an employee is injured or becomes ill on the job while protecting your business from costly lawsuits.
Coverage includes:
- Medical expenses and rehabilitation costs
- Partial wage replacement during recovery
- Employer liability coverage for workplace injury lawsuits
- Compliance with state requirements
Workers’ comp protects your people and your business, creating a safer, more supportive workplace.
Commercial Umbrella Insurance
Even with solid coverage, large claims can exceed the limits of your primary policies. A commercial umbrella policy provides an extra layer of protection when you need it most.
Coverage benefits:
- Extends liability limits on general liability, auto, and employer’s liability
- Helps safeguard business assets from catastrophic claims
- Affordable way to add millions in additional coverage
An umbrella policy keeps a bad day from becoming a business-ending event.
Cyber Liability Insurance
Data is one of your most valuable assets and one of your greatest risks. A cyber attack or data breach can cause financial loss, reputational damage, and regulatory fines. Cyber liability insurance helps your business respond and recover.
Coverage options may include:
- Data breach response and notification costs
- Credit monitoring for affected customers
- Legal fees and regulatory fines
- Business interruption from cyber events
- Cyber extortion and ransomware coverage
Cyber liability protects your digital doors the way property insurance protects your front doors.
Contractor Insurance
Every construction project comes with risks from injuries on-site to damage caused by equipment. Contractor insurance bundles the protections you need so you can bid jobs confidently and keep your business on solid ground.
Coverage highlights:
- General liability for injury and property damage
- Coverage for tools, equipment, and materials (on and off-site)
- Builders’ risk for projects under construction
- Workers’ compensation for your crew
- Business income protection during delays or damage
With the right policy, you can focus on building while we focus on protecting.
Church Insurance
Churches aren’t just buildings; they’re gathering places, employers, and community hubs. A church insurance policy protects everything from stained-glass windows to mission trips.
Typical coverages include:
- Property protection for buildings, equipment, and contents
- Liability for visitors, volunteers, and events
- Specialized coverage for items like stained glass and musical equipment
- Travel liability for mission trips
- Pastoral replacement expense coverage
We’ll help your ministry stay focused on people, not problems.
School Insurance
Schools are more than classrooms; they’re centers of community life. From protecting property to defending against liability claims, school insurance keeps learning environments safe and stable.
Coverage can include:
- Property protection for buildings, desks, and equipment
- Liability for staff, faculty, and administrators
- Employment practices liability (discrimination, harassment, wrongful termination)
- Business interruption coverage for relocation after a disaster
- Workers’ comp, crisis response, and cyber liability
With the right policy, schools can focus on students, not setbacks.
Medical Office Insurance
Running a healthcare practice means balancing patient care with operational risks. Medical office insurance addresses the unique exposures of medical facilities.
Coverage options may include:
- Property damage and business interruption coverage
- Liability for injuries on your premises
- Data breach and cyber liability for patient records
- Spoilage coverage for vaccines and medical supplies
- Paper records replacement after fire or water damage
Note: Medical malpractice is not included and must be purchased separately.
We’ll help your practice stay protected so you can focus on your patients.
Employment Practices Liability Insurance
As an employer, you face risks like discrimination, harassment, or wrongful termination claims. EPLI covers the defense costs and settlements that could otherwise drain resources.
Coverage includes:
- Structural and property damage repairs
- Personal belongings replacement
- Additional living expenses if displaced
- Legal defense against employment-related claims
- Settlements and judgments
- Protection for management, HR, and the company as a whole
- Optional risk management services
Protect your people and your business reputation from costly employment disputes.
Errors & Omissions Liability Insurance
Any business that provides advice, services, or professional expertise can face claims of negligence. E&O insurance protects against financial loss from mistakes, oversights, or client dissatisfaction.
Coverage typically includes:
- Defense costs for lawsuits
- Settlements or judgments for errors or omissions
- Protection for professional service providers, consultants, and contractors
One mistake shouldn’t put your business at risk.
Directors & Officers Liability Insurance
Leadership decisions can carry personal risk. D&O insurance protects board members and executives from claims related to their management decisions.
Coverage highlights:
- Protection for directors, officers, and board members
- Coverage for mismanagement, breach of duty, or negligence claims
- Defense costs and settlements
- Safeguards the personal assets of leadership
D&O coverage gives your leadership team confidence to make bold decisions.
Business Flood Insurance
Floods are one of the most common and costly disasters. Business flood insurance protects your building, equipment, and inventory when water rises.
Coverage may include:
- Structural repairs for flood damage
- Replacement of damaged equipment or stock
- Cleanup and debris removal costs
- Business interruption coverage
Standard property insurance doesn’t cover floods. Make sure your business is prepared.
Crime Insurance
No business is immune to fraud, theft, or employee dishonesty. Crime insurance covers losses that traditional property insurance won’t.
Coverage options:
- Employee theft and embezzlement
- Forgery or alteration of checks and financial instruments
- Computer and funds transfer fraud
- Robbery or burglary of cash and securities
Safeguard your business against the unexpected costs of white-collar crime.
Builders Risk Insurance
Before your project is complete, it’s vulnerable to accidents, theft, or natural disasters. Builders’ risk insurance covers buildings under construction and the materials that make them possible.
Coverage may include:
- Structures under construction or renovation
- Materials and equipment on-site or in transit
- Fire, theft, vandalism, and weather-related risks
- Optional coverage for soft costs like interest or permits
Protect your projects before the ribbon-cutting.
Liquor Liability Insurance
If your business serves alcohol, you could be held responsible for accidents caused by intoxicated customers. Liquor liability insurance helps shield you from these risks.
Coverage typically includes:
- Legal defense for liquor-related claims
- Settlements and damages if a patron causes injury or property damage
- Optional event-specific coverage
Keep your bar, restaurant, or event space protected while serving responsibly.
Special Event Insurance
Planning an event, whether a trade show, fundraiser, or festival, comes with high stakes. Special event insurance protects your business if the unexpected happens.
Coverage may include:
- Event cancellation due to weather or unforeseen issues
- Liability for injuries or property damage
- Coverage for rented equipment and venues
Focus on making your event memorable, not stressful.
Surety Bonds
Many contracts require proof that you can complete a project or meet obligations. Surety bonds provide that financial guarantee, building trust with clients and partners.
Types of bonds include:
- Bid bonds for construction projects
- Performance bonds to guarantee completion
- Payment bonds ensuring subcontractors and suppliers are paid
Surety bonds strengthen your reputation and reduce risk for everyone involved.
Ocean Marine Insurance
Shipping goods across oceans involves complex risks. Ocean marine insurance protects cargo, vessels, and related liabilities while at sea.
Coverage may include:
- Cargo coverage for goods in transit
- Hull and machinery protection for vessels
- Liability for maritime accidents
- Coverage for international shipping risks
We’ll help keep your business afloat even in rough waters.
Inland Marine Insurance
Your business property isn’t always confined to one place. Inland marine insurance covers goods, tools, and equipment while they’re in transit or stored off-site.
Coverage options:
- Equipment is transported between job sites
- Contractor tools and machinery
- Property stored in third-party locations
- Fine arts or specialty items in transit
Your business doesn’t stop at your property line, and neither should your coverage.
Environmental Insurance
Environmental risks from spills to pollution claims can cost millions. Environmental insurance helps businesses manage these unexpected liabilities.
Coverage may include:
- Cleanup costs for contamination or spills
- Third-party bodily injury or property damage claims
- Coverage for contractors handling hazardous materials
- Regulatory fines and penalties
Environmental coverage protects your business, your community, and the planet.
Systems Breakdown Insurance
If essential equipment fails, repairs can be expensive and downtime even costlier. Systems breakdown insurance covers sudden mechanical or electrical failures.
Coverage highlights:
- Repair or replacement costs for critical systems
- Business interruption coverage during downtime
- Coverage for HVAC, machinery, computers, and production equipment
- Optional spoilage coverage for perishable goods
Keep your operations running smoothly even when equipment doesn’t.
Key Man Life Insurance
Some employees are simply irreplaceable. If a key leader or specialist passes away, your business could face financial strain. Key man life insurance provides funds to bridge the gap.
Coverage benefits:
- A death benefit to the company after the loss of a key employee
- Funds for recruiting and training replacements
- Assurance for lenders and investors
Key man insurance helps secure business continuity during uncertain times.
Fiduciary Liability Insurance
If you manage employee benefit plans, you could be personally liable for errors in administration. Fiduciary liability insurance protects you against claims of mismanagement.
Coverage includes:
- Defense costs for fiduciary-related lawsuits
- Settlements and judgments for errors in plan management
- Protection for trustees, officers, and employees
Safeguard both your employees’ benefits and your personal liability.
Captive Insurance Management
Some businesses are large enough to create their own insurance company, known as a captive. Captive insurance management helps assess if this strategy is right for you and supports setup and compliance.
Potential benefits include:
- Greater control over coverage and claims handling
- Potential tax advantages
- Tailored solutions for unique or hard-to-insure risks
- Long-term cost management
Captive insurance isn’t for everyone, but for the right business, it’s a powerful tool.
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