Business insurance
Seven lines of commercial coverage.
Most businesses need three or four.
Tell us what the business does. Our licensed team shops it across 60+ carriers and tells you which policies your contracts actually require.
About three minutes. No obligation.
Business lines
Every commercial line we place.
Each page covers what the policy does, what it deliberately doesn't, who tends to carry it, and what moves the price.
General Liability
Pays when your business injures someone or damages their property. The baseline policy nearly every lease, contract, and client asks you to carry.
Coverage details →
Business Owner's Policy
Liability, property, and lost income in one policy. The standard small-business package, and usually cheaper than buying the pieces.
Coverage details →
Workers' Compensation
Medical bills and lost wages when an employee is hurt at work. Required by law in nearly every state, starting with your first hire.
Coverage details →
Commercial Auto
Liability and physical damage for vehicles that work for a living, where a personal auto policy stops.
Coverage details →
Commercial Property
Rebuilds the building, replaces the equipment, and restocks the shelves after fire, storm, or theft.
Coverage details →
Professional Liability
Covers claims that your advice, design, or work cost a client money. Also sold as errors and omissions, or E&O.
Coverage details →
Cyber Liability
Covers breach response, ransomware, and funds-transfer fraud: the losses a property policy was never written for.
Coverage details →
Not sure which apply?
The quote wizard accepts “Not sure, tell me what applies” as an answer. Pick it. Sorting coverage is our job, not yours.
Get a Quote →
Industries we quote often
Six businesses, six blind spots.
When we review an existing policy in these industries, the same gaps show up again and again. Here's what usually gets missed.
Contractors
General liability pays for the damage your work does. It does not pay for the tools stolen out of the truck, a distinction most contractors learn in a parking lot.
Restaurants
Everyone insures the fire. Almost no one insures the walk-in full of food that dies with the power, or the liquor liability the lease quietly requires.
Business Owner's PolicyWorkers' CompensationCommercial Property
Professional offices
The policy that covers a client tripping in your lobby does nothing for the advice you gave them. The second policy is the one that gets skipped.
Professional LiabilityBusiness Owner's PolicyCyber Liability
Retail
The stock and the shelves get insured. The income you'd lose in the weeks after a loss usually doesn't, and that is the part that closes stores.
Business Owner's PolicyCommercial PropertyWorkers' Compensation
Landlords
Leases love to push risk onto tenants. That only works if the tenant's insurance actually exists, and almost nobody checks the certificate. We check.
Fleets & delivery
The employee making deliveries in their own car is often the fleet's largest uninsured vehicle. Coverage for vehicles you use but don't own exists. Most policies just don't include it until someone asks.
Not sure what you need?
You don't have to arrive with answers.
Contracts, leases, and state law decide most of what a business has to carry. Tell the wizard what you do, and we'll translate it into policies.
About three minutes. No obligation.
A first-class answer
“Not sure, tell me what applies.”
That option sits right on the wizard’s coverage question, and it gets picked more often than any policy name. Choose it and we’ll work out the rest from what your business actually does.
Start here
One conversation covers the whole business.
Tell us what you need. We shop it across 60+ carriers. You pick, and nothing is in force until it's confirmed in writing.
About three minutes. No obligation.
