Your business represents years of investment and commitment. We help business owners identify risks, design customized insurance programs, and navigate challenges before and after a loss, combining insurance expertise, risk management guidance, and claims advocacy.
Commercial Insurance
A real advisor, not a 1–80 number.
Covers your business against third-party claims for bodily injury, property damage, and advertising injury, the most essential protection a business can carry.
Claim scenario — A customer trips over a display in your store. General Liability covers their medical bills and your legal defense costs.
Coverage for your physical assets, buildings, equipment, and inventory, against loss or damage from fire, theft, and covered perils.
Claim scenario — A burst pipe floods your office, destroying equipment and inventory. Commercial Property covers the loss and gets you back to business.
Liability and physical damage coverage for vehicles used in your business operations, from company cars to hired and non-owned vehicles.
Claim scenario — An employee rear-ends another vehicle on a delivery run. Business Auto covers the damage and the liability claim against your company.
Protects both employees and employers when workplace injuries occur. Required in most states, even low-risk operations can experience injuries.
Claim scenario — An employee fractures a leg unloading materials. Workers' Comp covers medical expenses and provides wage replacement during recovery.
Protects businesses that provide advice, recommendations, or professional services from allegations of negligence, errors, or omissions, even when no mistake was made.
Claim scenario — A client alleges your recommendation caused financial harm and sues. Professional Liability helps cover legal defense and potential settlements.
Cybercriminals target businesses of every size. Helps you respond to incidents and recover more quickly when a breach happens.
Claim scenario — A phishing email exposes customer data. Cyber Liability helps pay for investigation, notification, legal fees, and system restoration.
An extra layer of liability protection above your underlying policies, built for catastrophic losses.
A severe auto accident in a company vehicle exceeds your Business Auto limits. Umbrella picks up where the underlying policy ends.
Replaces lost income and covers ongoing expenses while your business recovers from a covered loss.
A fire forces you to close for three months. Business Income covers lost revenue plus payroll, rent, and utilities during repairs.
Protects you when critical equipment experiences mechanical or electrical failure.
A power surge damages a server controlling operations. Equipment Breakdown covers repairs, replacement, and interruption costs.
Protects board members and executives from claims tied to governance and decision-making.
A nonprofit board member is sued over a financial decision. D&O covers legal defense and settlement costs.
Defends against employee-related claims like wrongful termination, discrimination, and harassment.
Protects tools, equipment, and property in transit or away from your primary location.
A contractor's tools are stolen from a jobsite overnight. Inland Marine helps pay to replace the equipment.
Protects buildings and structures during construction or renovation.
Reimburses covered financial losses from employee theft, forgery, or fraud.
Important protection for organizations working with children, volunteers, and vulnerable populations.
Our team helps clients identify, evaluate, and manage risk so the right coverage is in place before a loss, and the right advocate is in place after one.
You call us. We handle the rest, before and after a loss.
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Twenty minutes that could change how you think about your protection, for the rest of your life.
A real advisor responds within one business day.