Commercial Insurance

Our commercial coverages are customized to provide each business with protection suitable to its unique risk exposure. Whether it’s business property, employment practices liability, workers’ compensation, or other types of coverage, we’ll find the perfect fit for you. Read below to learn more about our coverages:

Property Insurance

Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

Property Insurance may cover two types of property losses:

  • Direct losses may be covered when property is lost, stolen, damaged or destroyed.
  • Indirect or consequential losses related to direct losses may also be covered.

Commercial General Liability Insurance

Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:

  • Premises and Operation
  • Fire Damage Liability (damage by fire to premises rented to insured)
  • Personal and Advertising Injury
  • Medical Payments
  • Products/Completed Operations

You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.

Business Auto Insurance

Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business.

Workers’ Compensation

Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Workers’ Compensation provides for the payment of four types of benefits:

  • Medical benefits
  • Income benefits
  • Death benefits
  • Rehabilitation benefits

A representative can provide you with complete details on Workers’ Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.

Cyber Liability

More than ever before, companies store the valuable personal data of their clients and prospects digitally – much of it in the cloud. Whether it lives on your server or someone else’s, your organization is responsible for custody of this data. Should a data breach occur due to negligence, malfeasance, or otherwise, you will be held liable. And personal data is valuable – such an event could cost your company millions. Cyber liability coverage protects against this dangerous risk.

Management Liability

Management liability, or directors and officers liability, is a key component of running an organization – particularly as it grows. In a position of leadership, you expose yourself to liability suits regarding the performance of the business, its interactions with the media, and the behavior of its employees. Whether at fault or not, the mere act of defending against such charges in court can cost you and your business dearly. Hide the target on your back – use this coverage to protect against a variety of employee and shareholder claims.


Employment Practices Liability Insurance covers a very specific but equally important set of risks – those relating to the interviewing, hiring, and onboarding processes. In an exceedingly litigious time, protecting yourself and your organization from undue claims of harassment, discrimination, or noncompliance is critical.

Group Health (ACA Compliance)

The Patient Protection and Affordable Care Act has set forth a number of specific standards for organizations of various types and sizes. These exist on top of a numerous state and federal group health regulations. How is your organization managing and leveraging these regulations? How do you use your benefits offerings to attract new talent and boost employee morale and productivity?

Contact us today for more information about our commercial insurance services or fill out our online quote form.