Business Insurance
Coverage for your business
No two businesses carry the same risks. These are the coverages we write most often — follow any of them for a plain-language explanation of what it does and who tends to need it.
Trucking
Primary liability, motor truck cargo, physical damage, bobtail, trailer interchange and more — trucking is its own section.
See trucking coverageGeneral Liability
Third-party injury, property damage and advertising claims.
Learn moreBusiness Owners Policy (BOP)
General liability and commercial property bundled into one policy.
Learn moreCommercial Property
The building, equipment, inventory and fixtures your business runs on.
Learn moreWorkers Compensation
Medical costs and lost wages for employees injured at work.
Learn moreCommercial Auto
Vehicles owned by the business, and the liability that comes with them.
Learn moreHired & Non-Owned Auto
Liability when staff drive vehicles the business does not own.
Learn moreCommercial Umbrella
Extra liability limits once the underlying policy is exhausted.
Learn moreProfessional Liability (E&O)
Claims that your advice, service or work caused a client a loss.
Learn moreCyber Liability
Data breaches, ransomware and the costs that follow.
Learn moreBusiness Interruption
Income you lose while you cannot trade after a covered loss.
Learn moreBuilders Risk
A structure while it is being built or substantially remodelled.
Learn moreContractor's Tools & Equipment
Tools and equipment that move between sites.
Learn moreInland Marine
Property that moves, or that sits somewhere other than your premises.
Learn moreEquipment Breakdown
Mechanical and electrical failure that property policies exclude.
Learn moreCommercial Package Policy
Several commercial coverages combined into one tailored policy.
Learn moreCrime Insurance
Theft of money and property, including by your own staff.
Learn moreEmployment Practices Liability
Claims brought by employees over how they were treated.
Learn moreDirectors & Officers
Personal liability for the people who run the organization.
Learn moreProduct Liability
Injury or damage caused by something you made, sold or distributed.
Learn moreLiquor Liability
Claims arising from serving or selling alcohol.
Learn moreSpecial Events
One-off events, for the days they actually run.
Learn moreSurety Bonds
A guarantee that you will perform, not an insurance policy.
Learn moreGarage Keepers
Customers' vehicles while they are in your care.
Learn moreWarehouse Liability
Goods belonging to others while you store them.
Learn moreEnvironmental Liability
Pollution and contamination claims, which most policies exclude.
Learn moreMedical Malpractice
Claims that patient care fell below the standard expected.
Learn moreMedia Liability
What you publish, broadcast or post.
Learn moreReal Estate Investments
Cover for rental, commercial and investment property.
Learn moreNot sure whether you need this?
Tell us what your business does and we will tell you straight which coverages actually apply — and which you can skip.
Or call (503) 667-2820