Who this is for
Local shops, contractors, restaurants, offices, and employers who need compliant coverage — including accounts declined or non-renewed elsewhere.
Declined or non-renewed? We specialize in finding workable options when other carriers walk away.
Presidents Council · Elite Commercial Agent · MDRT · 5.0 on Google
Specialized Coverage
General Liability
Protects your business from claims involving bodily injury, property damage, and personal injury.
Workers' Compensation
Essential coverage for employee work-related injuries, legal requirements, and medical expenses.
Commercial Auto / Fleet
Coverage for business-owned vehicles, including collision, liability, and specialized fleet protection.
BOP / Business Property
A bundle for small businesses: general liability and business property protection in one policy.
Umbrella / Excess
Extends liability limits above primary policies, providing essential high-limit protection.
What to bring for a quote
- Business Name
- FEIN (Federal Employer Identification Number)
- Description of Operations
- Payroll or Annual Sales Data
- Declarations Pages from current policies
- Loss History Report (often 3-5 years)
Frequently asked questions
What does commercial insurance cover?
Commercial insurance protects your business from unexpected financial losses. Depending on your policy, it can cover:
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General Liability – Injuries, property damage, and lawsuits.
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Commercial Property – Buildings, equipment, and inventory from events like fire or theft.
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Workers' Compensation – Employee work-related injuries and lost wages.
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Commercial Auto – Business-owned vehicles.
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Professional Liability (E&O) – Mistakes or negligence when providing professional services.
How much commercial insurance do I need?
The right amount depends on several factors, including:
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Your industry
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Annual revenue
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Number of employees
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Business assets
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Contract requirements
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Potential lawsuit exposure
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Why do I need commercial insurance if I already have an LLC?
An LLC helps protect your personal assets from many business liabilities, but it does not pay for lawsuits, property damage, employee injuries, or business losses.
For example:
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A customer slips and falls.
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Your business causes property damage.
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A fire destroys your inventory.
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A cyberattack exposes customer data.
Your LLC doesn't pay these costs—commercial insurance is designed to help cover them.