Find out what insurance policies are best suited to your business. Learn what each policy covers and get quotes for the policy types you need. Click here to learn more about types of insurance policies.Get a Quote
Our comprehensive range of business insurance policies is designed to meet the unique needs of various industries. We strive to offer tailored coverage options that can provide protection to businesses against unforeseen risks. From property and liability insurance to workers' compensation and specialty coverage, our suite of insurance products can help safeguard your business interests. Contact us to learn more about how we can assist you in protecting your business.
Even the most diligent professionals can make mistakes in the design industry. Architects might overlook building code requirements, interior designers might miscalculate space dimensions, and engineers might make errors in structural calculations. Professional liability insurance protects design professionals from the financial consequences of these unintentional errors, providing them with the necessary support to rectify any issues and maintain their professional reputation. Insurance for design professionals is vital for protecting their businesses, creativity, and innovation. Professional liability insurance, general liability insurance, property insurance, and cyber liability insurance are key coverages that design professionals should consider to safeguard their work, assets, and reputation. By having the right insurance in place, design professionals can focus on their craft, knowing that they are protected.
In the fast-paced and ever-evolving world of technology, businesses face unique risks and challenges. To ensure sustainable growth, technology companies need comprehensive business insurance coverage. The specific insurance for technology companies can vary based on factors such as the nature of their products or services, target market, and operational risks. Technology companies should assess their exposures to loss and consult with an insurance agent experienced in the technology sector to customize a comprehensive insurance program. This ensures that the coverage aligns with their business’s needs and provides adequate protection against potential claims or lawsuits. By proactively addressing insurance needs, technology companies can spend time on their core business operations with confidence, knowing that they have mitigated the financial and operational risks associated with their industry.
Landscapers and other lawn care companies face many risks that could result in injury and financial loss. For example, equipment theft, injuries, or lawsuits could devastate your landscaping business. Coverages such as General Liability, Contractors Equipment, and Workers' Compensation insurance are important in protecting your business from claims that may arise. Landscaping companies should also consider Inland Marine, Umbrella, and Commercial Auto insurance. Find insurance coverage that matches the hazards faced by lawn services and landscaping experts. Landscaping insurance will help protect your business from the negative impact of operational risks. It is essential to find the insurance coverage that matches the hazards faced by lawn services and landscaping experts. Landscaping insurance will help protect your business from the potential devastation of these risks.
There are many risks and challenges that come with being in the media industry. Therefore, having adequate insurance coverage is important in protecting your business from financial loss. Companies like advertising agencies, publishers or reporters, internet content creators, artists, and radio or television broadcasters should consider getting media business insurance. Those in the media industry may face risks such as lawsuits for copyright infringement, defamation, cyberattacks, and third-party injuries. Policies like General Liability, Professional Liability, Workers' Compensation, and Cyber Insurance can protect your business from lawsuits or claims resulting from the operations of your business. Assess the unique risks of your business and find an insurance policy that best fits the needs of your media business.
Non-Profit or not-for-profit organizations exist for the good of the people they serve. Insurance coverage is needed to protect against financial liabilities that may arise from lawsuits and unforeseen events. Insurance for non-profit organizations consists of several different types of coverage that may be packaged or purchased separately. The recommended coverage for non-profit organizations includes a package policy that includes general liability and commercial property insurance. A business management liability policy that covers directors and officers, professional, employment practices, fiduciary liability, and crime. Additional coverage for workers’ compensation and cyber insurance is also recommended. Overall, non-profit organizations must devote time to conducting a full risk analysis with an insurance agent to determine where their insurance may be lacking
Businesses that service automobiles have unique insurance needs that fall under the “Garage” insurance category. Whether your business repairs, maintains or drives customer vehicles, there are two garage policies that you may need to protect your business. Garage Liability insurance is designed for auto repair shops and covers customer property damage or bodily injuries at your shop. Garage keepers Legal Liability insurance responds to physical damage to your customers’ vehicles’ while left in your care for repair. It also applies if you or your employees test-drive them to ensure they run properly. Commercial property and workers’ compensation insurance would be the following policies to consider
Cleaning and janitorial service companies have exposures to financial losses easily insured with the proper business insurance policies. Employee Dishonesty bonds can cover your business for theft of client property by your employees. General liability is available to handle third-party bodily injury and property damage claims or lawsuits resulting from your work for which you are negligent. Workers’ Compensation coverage to pay medical expenses and a percentage of lost wages when your employees are injured on the job. You may also need to consider business auto if you have vehicles to transport tools and supplies or your employees between job locations. Discuss your concerns with a commercial insurance agent to get the protection you need for your company.
Construction companies operate in high-risk industries where unforeseen events, accidents, and liabilities can have significant financial consequences. To protect their projects, assets, and reputation, construction companies require a robust business insurance program. General liability, builder’s risk, worker’s compensation, contractor’s mobile equipment, business auto, pollution liability, and professional liability are the main categories of insurance for construction companies to consider. Also, your clients often require construction bonds, such as bid bonds, performance bonds, and payment bonds to secure contracts and ensure project completion. Having appropriate insurance coverage can safeguard a company’s projects, assets, and workforce while mitigating potential financial risks. Working with an insurance agent familiar with the construction industry is crucial to building an insurance program that addresses your company’s exposures.
Should your services as a business consultant include giving managerial advice, maintaining confidential information, and financial planning or investment strategies, you should consider securing business insurance. From business management to network management consultants, professional consultants should consider professional liability insurance to respond to claims or lawsuits alleging professional errors or omissions resulting in your client’s financial loss. In addition, general liability is desired if you have a business location open to the public. Workers’ compensation will be needed if you have employees, not only to meet statutory requirements but also so the business doesn’t have to pay out of your bottom line for the medical care and lost wage benefits required by law for injured employees.
A career in the financial services industry takes patience, education, and competence. It is a highly specialized field that involves managing money, investments, taxes, and other financial transactions. Certified Public Accountants (CPAs), bookkeepers, accountants, auditors, and payroll companies, encounter exposures that can be addressed with insurance designed for the financial services industry. Financial professionals may have to defend lawsuits or cover unexpected costs caused by a cyberattack, property loss, or an employee injury. For example, a client may sue a financial professional for an accounting error or omission that resulted in financial loss. Overall, financial services business insurance is an essential investment for protecting your business, its reputation, and clients.
Food service businesses have their fair share of challenges. From a customer who falls on a wet floor to food spoilage from a failed walk-in refrigerator, insurance is crucial to protect your business from these potential liabilities. Business insurance can help your business to recover after a property loss claim. Depending on the risks your food business faces, a Business Owner’s Policy is a cost-effective policy to start with, as it includes property and general liability insurance. If your company doesn’t qualify for a BOP you can still package commercial coverage into one policy on a regular package policy. Other coverages like Workers’ Compensation and Business Income Insurance are also essential to protect your business from financial loss.
If you're an administrator for a doctor’s office or a sole physician practitioner, you are responsible for the well-being of your patients. Your practice deserves the same amount of care. Regardless of the medical field of your business, there will always be industry-specific concerns, such as protecting your expensive equipment and keeping patient records secure. Healthcare facilities can protect their business by getting appropriate insurance for the specific exposures needed. The recommended insurance coverage for healthcare facilities includes Professional Liability, Cyber, Commercial Property, General Liability, Inland Marine, and Workers’ Compensation insurance. Healthcare operations can be protected from litigation and losses with these insurance types.
Healthcare professionals depend on business insurance to protect their businesses from bodily injury and property damage liability lawsuits. Remember to insure your costly medical or diagnostic equipment, which can be insured with property insurance or an inland marine policy to give the broadest coverage. Business insurance is essential to any healthcare professional's risk management strategy. Some states may require several types of insurance coverage for medical professionals. Running a physician practice creates exposure to potential medical malpractice claims, and professional liability coverage is a must. If your practice employs staff, workers’ compensation coverage is essential to assist when employees get hurt while working.
Volunteer programs, after-school youth programs, foster care centers, and other organizations dedicate themselves to helping to make the world a better place. However, strong interactions with your community can expose your business to substantial risks. Commercial insurance policies provide a variety of core and optional coverages to meet your business requirements. Recommended policies for a Human Social Service Business include, Business Owner’s Policy, Professional Liability, Directors’ and Officers Insurance, and Workers’ Compensation. These policies, along with other optional coverages and endorsements, will protect your business against any losses or risks from the services you provide.
Installation coverage is a type of inland marine insurance purchased by contractors, such as HVAC installers, elevator contractors, cabinet installers, or carpenters, to protect against the damage or loss of the items to be installed at a job. An Installation floater, as it is also called, covers building materials and appliances in transit to the job site and while they are left at the project up until they are installed and the job completed. These types of losses can delay the project’s completion and hold up other trade contractors working at the site. A contractor may be unable to replace the items and complete the job when faced with these types of losses. Other businesses that benefit from Installation Insurance:
Insurance agents are skilled in guiding clients through the purchase process of an insurance policy, assisting clients in finding the right coverage, and providing them with quotes. A lawsuit is possible if the client regards the work you completed to be inadequate, late, or not delivered. Therefore, it is important for insurance agents to have professional liability insurance to help cover the costs of claims. Other coverages such as Workers’ Compensation, General Liability, Commercial Auto, and Cyber Insurance are crucial to have. The right insurance coverage will enable your business to recover from lawsuits or risks immediately.
The manufacturing industry is undergoing a dramatic transformation. Many manufacturers today are working to outperform supply chains and develop new technological solutions to strengthen their operations. Manufacturing businesses may face risks such as bodily injury and property damage, or damage to an owned building or inventory. A Business Owner’s Policy, which bundles General Liability and Commercial Property, can help cover the costs incurred. Other policies recommended for manufacturers are Workers’ Compensation, Business Interruption, and Equipment Breakdown Insurance. Manufacturers insurance is vital to ensure your company stays protected if an incident happens. You can customize your policy so you can access the coverage your business requires.
Business consulting firms, law firms, accounting firms, technology services, and marketing agencies provide valuable expertise and advice to clients. However, like all businesses, they face operational risks that can result in financial losses. That's where business insurance assists with some of those exposures. Here are some types of business insurance that professional service businesses should consider Professional Liability, General Liability, Cyber Insurance, Business Property, and Workers’ Compensation. Professional service businesses must assess their risks and choose the appropriate insurance coverage that meets their needs. Working with an experienced insurance broker can help companies find the right coverage at a reasonable cost. Request a quote today.
Real estate businesses face professional and business risks, like many other businesses. Real estate agents, property managers, mortgage brokers, real estate appraisers, building inspectors, property surveyors, and loan underwriters all benefit from real estate business insurance. Operational risks such as employee injuries, failure to provide proper advice, and third-party injuries can be mitigated by business insurance, with Workers’ Compensation, Errors and Omissions, and General Liability insurance. A Real Estate firm should also consider Commercial Property, Auto, and Cyber Insurance to round out their protection. The cost of comprehensive real estate business insurance varies, depending on the type of real estate operations, annual revenue, the value of business assets insured, and payroll.
Retail businesses with physical locations represent 87% of all retail sales in the US, according to Zippia.com, vs. 13% for online retail. All these brick-and-mortar operations need at least three types of insurance coverage. These include General Liability, Business Property, and Workers' Compensation insurance to cover these businesses' common exposures. The building lessor requires general liability for the lease. If you own your location, you need protection for commercial space open to the public for bodily injury or property damage claims. Assuming you sell something, your business has money invested in your product, making property insurance necessary. Regardless of your state's workers' compensation policy requirement, if you hire one employee and that person is hurt, with or without a workers' compensation policy, the business and owner would be liable for the costs of providing the injured employee with workers' compensation benefits.