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Business and Commercial Insurance

Small, mid-size, or large, we’re in the business of protecting your business.

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What Is Business Insurance?

There are many factors to consider when taking the steps to insure your business. What if a product is lost or damaged? What if your product causes harm to a consumer? What if someone gets hurt on the job? Do you have a company car?

Owning a business comes with a lot of risk, which is why business insurance exists. You can opt for a variety of general and specific policies to give you as much coverage as you need in areas like liability, employment, and damage costs, depending on what your company does.

Why Is Business Insurance Important?

As a business owner, you take risks, make investments, and employ others to work for you and help your company grow. These steps are exciting, but they can set you up for major loss when accidents happen. It is important to protect yourself, your finances, and your employees in the event that something goes wrong.


When you purchase business insurance through our providers, you can opt for coverage in the following areas:

Builder’s Risk Insurance

It takes a lot of effort and time to construct a new building, and the exposures are many. You never know what could happen in the process, so make sure you are protected from the unexpected.

Business Interruption Insurance

Would you be highly impacted by having your business closed for any amount of time? It takes time and money to recover from a disaster. Be prepared for the worst so you can stay in business while rebuilding what you lost.

Business Owners Package Insurance

A Business Owner’s Policy (BOP) is a combination of the best business coverages all in one policy, so you get the best deal with the most coverage. For businesses with a high risk, a BOP can protect you the best.

Cargo Insurance

Anything can happen on the road. That’s why businesses in the trucking and transportation industry need to insure the cargo their vehicles carry. Cargo insurance offers valuable protection against fire, collision, and other accidents.

Commercial Auto Insurance

Whether you're making deliveries, running office errands, or anything else that involves using a company car, you're liable for any damage that may happen to you or others. Without insurance, you could suffer serious losses that your company cannot afford.

Commercial Earthquake Insurance

An earthquake can happen at any time, anywhere - even your business. Our commercial earthquake insurance can help protect you against loss due to property damage to assets such as your machinery, equipment, or inventory.

Commercial Property Insurance

Your building is what customers enter and exit when visiting your business. Commercial building and property insurance makes sure that your customers, along with your employees and valuable items, are kept protected from unforeseen circumstances.

Commercial Trucking Insurance

Much of the country relies on commercial trucks and their drivers to keep running. Comprehensive trucking insurance can make sure the driver, truck, and items are all covered in case anything were to happen on or off the road.

Commercial Umbrella Insurance

You can never have too much coverage. With umbrella insurance, we can help customize a policy that’s right for you and expand your plan to include whatever is not covered by your general liability.

Contractor's General Liability Insurance

So many homes and businesses would not exist today without a contractor to create and build them. While their craftsmanship is an invaluable resource, it involves certain liabilities. We can help make certain they are able to continue working.

Cyber Liability Insurance

If you are a business that deals with sensitive customer information of any kind, you need the protection cyber liability insurance offers. Cyber crimes are becoming more common and your business cannot afford to go unprotected.

Directors and Officers Liability Insurance

Powerful figures in companies and organizations of any size are often the target of lawsuits, and it’s important to have insurance that helps fight the allegations and cover the legal costs. We can help you get that protection.

Employment Practices Liability Insurance (EPLI)

When hiring someone new, you are never going to be 100% sure about your future employee. Although they seem harmless, they could potentially be a risk to your business if something were to go wrong. EPLI can protect you.

Farm / Agribusiness Insurance

If your business earns all or most of its revenue from agriculture, it is at great risk for potential loss due to unforeseen circumstances. Protect your production and your living with insurance that is built for what you do.

Garage Insurance

Get coverage for bodily injury or property damage caused by an accident arising out of your garage business operations. Protect your repair shop, car dealership, tow truck business, service station, and more with a policy designed to fit your risks.

General Liability Insurance

This policy covers a business’s exposures and minimizes financial risks, such as death or injury of an employee, lawsuit, or natural disaster. General liability coverage is a must for every business, and we can help you get the best.

Hotel & Motel Hospitality Insurance

Owning or managing a hotel or motel is difficult enough. If you don’t have time to find the best business insurance for your hotel or motel, reach out to our team. We shop the market for you.

Key Person / Employee Insurance

This life insurance policy comes into play in the event of the death of a business owner or employee who is integral to the functioning of the company. The benefit helps the business survive after losing the key employee.

Kidnap & Ransom Insurance

Successful and high-profile individuals and businesses face unique risks in the course of their operations. Keep your business, employees, and families as secure as possible in the face of risky dealings with a plan that covers everything.

Liquor Liability Insurance

Serving liquor can take a dangerous turn if someone has a few too many drinks. Liability insurance helps protect you against responsibility for any bodily injury or property damage that an intoxicated person commits at your business or event.

Manufacturers Insurance

Protect your manufacturing business's day-to-day operations, financial exposures, employees, and more with a comprehensive package designed for your industry. Coverages can include business owner’s package (BOP), workers’ compensation, and commercial vehicle coverage.

Medical Malpractice Insurance

Medicine is a profession that comes with a lot of risk, including the risk of a lawsuit. Our medical malpractice policies can assist with expenses such as attorney fees or court costs. Make sure your livelihood is protected.

Non-Profit Insurance

We want your organization to educate, shelter, protect, counsel, and advocate to the best of its ability. Don’t let it go unprotected. Our agency is here to serve you with policies that keep it covered, no matter what.

Product Liability Insurance

If your business sells, designs, or manufactures products, there is a chance one of them could cause injury to someone, resulting in a lawsuit. While we hope that never happens, we can help you be prepared if it does.

Professional Liability (Errors & Omissions) Insurance

E&O protects you if a client files a lawsuit against you on the premise of professional mistakes, negligence, or the failure to produce promised services. It is useful if you provide any services that can severely affect a client’s bottom line.

Restaurant & Bar Insurance

Coverage can include general liability, commercial property, loss of income due to food spoilage or contamination, employee dishonesty, equipment breakdown, commercial auto and more. Keep your restaurant or bar serving up great food and drinks with insurance that protects them.

Special Event Insurance

Events may be temporary, but they are still a large investment of time and money. No one knows that better than you, the host. Protect yourself and/or your business from great financial loss if something unexpected happens.

Surety Bonds

Help guarantee your business’s integrity and financial responsibility, along with compliance with a law or contract. Some bonds are legally required for your business to be fully licensed, and others are optional. We offer a wide variety to choose from.

Technology Insurance

Information technology companies and consultants do delicate work, and they experience unique risks and liabilities as a result. Be covered against the worst with insurance that is specially designed for businesses like yours.

Vineyard & Winery Insurance

Each vineyard and winery is unique. That is why yours needs insurance that is tailored to fit its unique exposures. Protect your business against financial loss due to lawsuits, spoiled crops, contaminated wine, and much more.

Wholesalers & Distributors Insurance

Protect your wholesale or distribution business against loss by ensuring it is covered from all angles, from property to liability to workers’ compensation. You want to keep your operations running smoothly, and we can help with that.

Workers' Compensation Insurance

Workers’ comp is mandatory for most businesses, as it protects both the owner and their employees from job-related injuries. Make sure you keep your business running smoothly by protecting your employees and giving them confidence to work with you safely.


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