Commercial Insurance
Control, reduce, and prevent risks. You’ve worked hard to establish your brand and reputation – make sure you have the right coverage for your business needs.

These are the most common property and general liability claims for small business. Burglary and theft, damage from water and freezing, damage from wind and hail, fire damage, customer slip and fall.
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General Liability
Also known as Commercial General Liability Insurance (CGL). Get your business protected against losses for claims and litigation associated with the bodily injury caused by business operations, products, and accidents that occurs on the property.
Typical coverage includes – Bodily injury and property damages to 3rd parties, product liability, and completed operations.

Property
Protects business property from a loss or damage, theft, fire, smoke, vandalism, and natural calamities like earthquake, flood, typhoon, and hurricane.
Typical coverage includes different aspects of the property, such as, building, equipment, supplies, inventory, computers, and electronics.

Car and Fleets
Coverage to protect company’s vehicles and their content from a related liability. These vehicles must be registered under the business name, driven by employees, and are used entirely for business operations.
Similar to personal car insurance, the type of coverage includes third-party liability, collision, and comprehensive.
Common Business Insurance

Errors & Omissions (E&O)
Otherwise known as Professional Liability. It protects professionals from their liability exposures at work. This includes giving advice and provides educational recommendations, designing solutions, or represents the needs of others. We will work and create coverage that will ensure that one simple mistake does not cause financial jeopardy.

Equipment Breakdown
Covers equipment in the event of breakdowns and malfunctions. A critical piece of business machinery has the potential to create damage across multiple areas of operations. It covers the cost to repair or replace the equipment and any other property damaged by mechanical failure.

Builder's Risk
It’s a form of insurance that covers a building in which the construction or insured place is presently being built, remodeled, or renovated. It may cover just the structure, or also the materials on-site waiting to be installed or transported to the job site. It’s a type of insurance which home and building owners will ask each contractor to carry.

Environmental
Environmental concerns like pollution, among others, continue to be a leading business hazard predicament and sometimes form an unexpected severe challenge. Incidents may be infrequent, but when they do happen, they are usually large, expensive, and complex for which your business may be held responsible. We will work with you to create an innovative solution to help protect your business against environmental risks.

Cyber
Cyber liability insurance protects your business against the costs associated with a data/security breach occurrence. It moderates risk exposure by offsetting costs involved with recovery after a cyber or similar-related event. We will work with you to evaluate the data responsibility chances your business faces and find a policy that meets your particular needs.

Crime and Theft
Get that protection familiar in every business that includes dishonest employee acts and theft, thefts to premises, robbery, disappearance, or destruction of money or securities inside your place of business. We will work with you to find the appropriate insurance that will mitigate risk and protect your business from theft, fraud, and forgery.
Types of Businesses covered
These are few. If your business classification is not on the list, please let us know.
- Auto Repair & Body Shops
- Auto Glass Repair
- Contractors
- Restaurants / Food Services
- Salons, Nail, Spas
- HVACs
- Cannabis
- Manufacturers
- Vacant Properties
- Transportation / Fleets / Commercial Auto
- Warehousing
- Retail
- Care Services
- Finance / Real Estate
- Health and Wellness
- Non-Profit / Charity Organizations
- Consultants
- Hospitality and Lodging
- Sports / Fitness
- Legal Services
- Architecture and Engineering
- Technology