Commercial coverage that matches how your business actually operates
A generic business policy protects a generic business. We start with what you do, who you do it for, and what your contracts require you to carry.
The coverages most businesses need
Requirements vary widely by industry, and the wrong assumption is expensive. Landlords, clients, and lenders often impose their own minimums — we'll read those requirements and make sure the policy satisfies them before you sign.
- General liability — third-party bodily injury and property damage. The baseline nearly every contract asks for.
- Commercial property — your building, equipment, inventory, and improvements.
- Business owner's policy (BOP) — liability and property bundled, usually the efficient starting point for a small business.
- Workers' compensation — required in most states once you have employees, with rules that vary by state and by role.
- Commercial auto — vehicles owned by the business, plus hired and non-owned coverage for employees driving their own cars on your behalf.
- Professional liability (E&O) — claims that your advice or service caused a financial loss.
- Cyber liability — breach response, notification costs, and increasingly a requirement from clients rather than an option.
- Business interruption — lost income while you're closed after a covered loss.
Where small businesses get caught out
Personal auto used for work. A personal policy can deny a claim that happened during business use. If employees drive for the business at all, hired and non-owned auto is inexpensive and important.
Growing past your policy. Coverage written when you had two employees and one location does not automatically scale. Payroll, revenue, and equipment values drive your limits and your premium.
Contract requirements. Additional insured endorsements, waivers of subrogation, and specific limits are routinely required and routinely missing. We will check the contract against the policy.
Home-based businesses. A homeowners policy provides very little business coverage. Inventory, equipment, and client visits to your home are generally not covered.
Business Insurance questions we hear a lot
What does a certificate of insurance cost?
Nothing. Certificates are part of the service. Tell us who needs one and what their requirements are and we'll issue it — usually same day.
Do I need workers' comp for one employee?
In most states, yes, and the thresholds differ. Some states count owners and officers differently, and misclassifying a worker as a contractor is a costly mistake. We'll walk through your specific situation.
My client is demanding a 2 million dollar limit. Is that normal?
It's increasingly common, and it's often cheaper to satisfy than business owners expect — sometimes through an umbrella sitting over the general liability policy rather than raising the underlying limit.
What if my business changes during the year?
Call us. New vehicles, new locations, new employees, and new services are all things that should be reported when they happen rather than discovered at audit or at claim time.