General Liability

The foundation of any business insurance program. General liability protects you against claims of bodily injury, property damage, and personal injury that arise from your business operations. If a customer slips in your store, if your product damages someone's property, or if you're accused of slander, this is the policy that responds.

Every business needs it. We make sure the limits, exclusions, and endorsements actually match the risks you face.

Business Owner's Policy (BOP)

A BOP bundles general liability with commercial property coverage into one policy, usually at a lower cost than buying them separately. It's designed for small to mid-sized businesses and covers your building (if you own it), your equipment, your inventory, and your liability.

It's the most common starting point for small businesses and we can customize it with endorsements for your specific industry.

Workers' Comp

If you have employees, workers comp is required by law. It covers medical expenses and lost wages if an employee is injured on the job. The cost varies significantly by industry, payroll size, and claims history.

We shop multiple carriers to find competitive rates and help you implement safety programs that can lower your experience modification factor over time. That means lower premiums year after year.

Commercial Auto

If your business owns vehicles, uses employee vehicles for work, or has drivers making deliveries, you need commercial auto coverage. Personal auto policies exclude business use, which means a claim could be denied if you're using your car for work without the right policy.

We cover fleets of all sizes, from a single work truck to a full delivery operation.

Industry Specific and Specialty

From construction and contractors to restaurants and retail, from real estate investors to nonprofit organizations, every industry has unique risks. We write policies for industries that many agencies shy away from because we have the carrier relationships and the expertise to get it done.

If you're not sure what you need, call us. We'll walk through your operations and build a program from scratch.

Not Sure What You Need?

Call us or fill out a quick form and our team will walk you through your options.