Every business faces risks, and general liability and property insurance form the foundation of protection. These policies cover injuries, accidents, and property damage claims, while also protecting your building, equipment, and inventory from fire, theft, or other unexpected losses.

Coverage Highlights:

- Protection against customer injury or property damage claims

- Coverage for business buildings, equipment, and inventory

- Essential protection for businesses of all sizes

A Business Owners Policy combines key coverages into one affordable package, making it easier for small and mid-sized businesses to get the protection they need. A BOP typically includes general liability, commercial property, and business interruption coverage.

Coverage Highlights:

- Bundled liability and property insurance in one plan

- Business interruption protection if operations are paused

- Cost-effective coverage designed for small to mid-sized businesses

If your company relies on vehicles, commercial auto insurance protects them against accidents, theft, or liability claims. Workers’ compensation ensures your employees are covered for workplace injuries, providing both wage replacement and medical benefits.

Coverage Highlights:

- Protection for company-owned or leased vehicles

- Coverage for employee injuries or illnesses on the job

- Helps businesses stay compliant with state requirements

Specialized liability policies protect your business and leadership team against unique risks. Professional liability (Errors & Omissions) covers mistakes or negligence in services. Directors & Officers (D&O) protects company leaders against management-related claims, while Employment Practices Liability Insurance (EPLI) covers issues like discrimination or wrongful termination claims.

Coverage Highlights:

- Errors & Omissions coverage for service-based businesses

- Protection for directors and executives from lawsuits

- Safeguards against employee-related claims and disputes

Cyber liability helps protect against data breaches, hacking, or cyberattacks that can disrupt your business and put sensitive data at risk. Product liability protects manufacturers, retailers, and distributors if a product causes injury or property damage.

Coverage Highlights:

- Coverage for data breaches and cyberattacks

- Legal defense and financial protection from product-related claims

- Critical for businesses in technology, manufacturing, or retail

For added peace of mind, umbrella coverage extends your liability limits beyond standard policies. Bonds help businesses meet contract requirements and build trust with clients, while builder’s risk insurance protects construction projects from start to finish.

Coverage Highlights:

- Extra liability protection beyond existing coverage

- Surety and fidelity bonds for compliance and client security

- Builder’s risk coverage for materials, equipment, and structures under construction