Commercial property and casualty insurance is designed to protect your business from unexpected losses. Unlike personal insurance, which helps cover individual financial loss from injury, illness, or property damage, commercial coverage helps address risks such as property damage, workplace injuries, and legal liability. Without the right coverage, these events can be expensive and disruptive. We're here to make protection simple—so you have one less thing to worry about. Our goal is to help safeguard your company's reputation, revenue, and resources.
Professional liability insurance helps protect professionals from claims of negligence, misrepresentation, or malpractice. It can help shield your business from costly lawsuits alleging an error in the services you provided. Depending on your industry, this coverage may be referred to as Malpractice Insurance (common for medical or legal professionals) or Errors & Omissions (E&O) insurance. It may help cover legal defense costs, court expenses, and settlements or judgments—costs that can be significant for any business.
General liability insurance provides financial protection for common incidents that can occur in day-to-day operations. It can help cover bodily injury to non-employees, third-party property damage, personal and advertising injury (such as reputation harm), and certain claims related to advertising or copyright infringement. This broad coverage is often considered a foundational policy for many businesses and is sometimes referred to as business or commercial liability insurance.
If your business owns or leases space—or you operate from a home office—commercial property insurance can help protect your building and the contents you rely on, including equipment, tools, furniture, and inventory. Policies can also include business interruption coverage, which may help replace lost income if a covered loss temporarily prevents you from operating.
Commercial auto insurance provides coverage for vehicles used during business, including cars, vans, and trucks. It covers physical damage and liability exposures that may not be covered under a personal auto policy when a vehicle is used for business purposes.
Employment Practices Liability Insurance (EPLI) helps provide coverage for employment-related claims brought by current, former, or prospective employees. Common allegations include wrongful termination, discrimination, harassment, retaliation, and certain employment-related contract disputes. EPLI may help cover legal defense costs, settlements, and judgments, which can be substantial even when a business believes it acted appropriately.
Workers' compensation insurance provides benefits to employees who are injured or become ill due to a work-related incident, including medical care and wage replacement. It can help cover injuries such as strains, trips, and falls, and may include benefits in the event of a workplace fatality. This coverage is mandatory and statutory in all fifty states. Employers pay for the policy, and benefits are administered through the employer's insurance carrier.
A commercial surety bond helps guarantee that your business will perform agreed-upon obligations. If the terms of the contract or required service are not fulfilled, the bond can provide financial protection to the customer, subject to the bond's conditions.
Commercial umbrella insurance can provide additional liability limits above your underlying policies when a claim exceeds the limits of your primary coverage. It helps add an extra layer of protection for large or unexpected liability events.
Group health insurance is an employer-sponsored benefit that helps provide medical coverage for employees and, in some cases, their dependents. Offering group coverage can help attract and retain talent, may provide tax advantages, and can support employee well-being, satisfaction, and productivity.
Cyber liability insurance helps protect businesses from losses related to cyber incidents and technology risks. This coverage helps with expenses associated with ransomware attacks, including ransom payments where permitted and recovery costs. It can also help cover data recovery and system restoration, such as decrypting files, restoring data from backups, rebuilding compromised systems, and engaging outside experts to support recovery efforts. In addition, cyber liability insurance may provide coverage for business interruption and certain operating expenses incurred during downtime. Policies may also help with legal and regulatory costs, including legal fees and forensic investigations, as well as public relations and reputation management expenses following a cyber event.
Earthquake Insurance is a specialized form of property insurance that covers damage caused by earthquakes. Unlike standard property insurance policies, which typically exclude earthquake-related damage, earthquake insurance offers specific financial protection for businesses situated in earthquake-prone areas. This insurance covers the structure of the building, business personal property, earthquake sprinkler leakage, business income, and certain business-related expenses during downtime. It is designed to protect against catastrophic destruction rather than minor damage.