Business Insurance

As a business owner you are familiar with risk, and we are here to help you navigate the maze of insurance options to mitigate potential risks and issues before they arise. We offer a huge range of products from a select set of vendors and will work hard to craft the perfect policy to fit the needs of you and your company. Take a look and give us a call today — we’re ready to sharpen our pencils and get to work for you!

Commercial Liability

Protects your business from external claims that happen as a result of normal operations, such as property damage, medical payments or personal & advertising injury. This coverage can also be bundled with Commercial Property to form a Business Owners Policy (BOP).

Commercial Property

Provides asset protection for business buildings and equipment in the event of theft, damage or destruction by fire. This coverage can also be bundled with Commercial Liability to form a Business Owners Policy (BOP).

Commercial Auto

Specifically for company vehicles and vehicle fleets, covering physical damage and liability with optional enhanced coverage endorsements for towing, roadside assistance, new vehicle replacement coverage, gap coverage and rental reimbursement.

Commercial Umbrella

Supplemental coverage that increases pay-out limits on other policies, for an additional layer of protection for your business.

Directors & Officers Liability (D&O)

Protects the personal assets of the executive management team and their spouses in the event of litigation regarding their company roles. Coverage applies to the corporate assets of both business and non-profit entities as well as to their boards and directors.

Cyber Security

An important piece of a risk management portfolio for any business. Cyber policies defend against cyber-related losses related to wire transfer fraud, ransomware attacks, phishing scams, data breach, hacks, viruses and malware, leaks of company documents and/or physical theft of devices.

Employment Practices Liability (EPLI)

Coverage for defense costs and damages resulting from employment-related lawsuits over harassment, wrongful termination, discrimination or workplace conditions.

Errors & Omissions (Professional Liability)

E & O provides protection for the business as well as any representative of that business, specifically from Professional Service claims, covering legal expenses, settlements and/or judgements.

Workers’ Compensation

Employee benefits for workplace accidents or work-related injury or illness. Coverage is provided on a state-by-state basis, the options in your state will be reviewed and determined by your agent.

Crime Policies & Bonds

Providing protection from crime-related financial losses due to employee dishonesty, theft, forgery, robbery, electronic crimes or work unfinished.

Builder’s Risk

This is an essential piece in the successful completion of construction projects. This commercial coverage helps protect buildings in-process from property damage due to fire, lightning, hail, explosions, theft and vandalism during construction.

Difference In Conditions (DIC)

Designed to fill gaps in other insurance products in both Personal and Business insurance, DIC policies are flexible and provide expanded coverage against all risks of loss.

Inland Marine

Cargo protection for products, materials and equipment when transported via land or stored offsite. Coverage can be written for items as diverse as tools, rented and leased equipment, drones, cameras, jewelry, food trucks, vending machines and high-value property stored onsite.

Pollution & Tank

For businesses that store product in above or below ground tanks, this policy offers financial protection from claims of bodily injury, property damage and clean-up costs in the event of a breach.

Surety Bonds

Limited-term guarantees for work completion in the arena of Construction (Contract Surety) and compliance with legal obligations (Commercial Surety).