Business Insurance

Coverage built for small businesses.

From general liability to commercial auto, we put together coverage that fits how your business actually operates — without overpaying.

Coverage 01

General Liability

The foundation policy that responds when a client, customer, or vendor claims your business caused harm.

Who needs it

Almost every business — required by most clients, landlords, and contracts.

What it typically covers

  • · Third-party bodily injury
  • · Property damage to others
  • · Advertising and personal injury

Coverage 02

Professional Liability (E&O)

Protects you when a client says your professional advice or service caused them a financial loss.

Who needs it

Service providers, consultants, notaries, beauty pros, agents, and advisors.

What it typically covers

  • · Errors or omissions in services
  • · Failure to deliver promised results
  • · Defense costs

Coverage 03

Business Property

Replace what you've invested in your business when fire, theft, or a covered event takes it out.

Who needs it

Any business with equipment, inventory, or a physical location.

What it typically covers

  • · Owned equipment, inventory, fixtures
  • · Tenant improvements
  • · Business interruption (often optional)

Coverage 04

Commercial Auto

Personal auto policies usually exclude business use. Commercial auto fills that gap.

Who needs it

Businesses with company vehicles or employees driving for work.

What it typically covers

  • · Liability and physical damage
  • · Hired and non-owned auto
  • · Cargo (optional)

Coverage 05

Contractors & Service Businesses

Coverage built around how trades and service businesses actually work — including tools, jobs, and crews.

Who needs it

Tradespeople, handymen, cleaning services, home service pros.

What it typically covers

  • · GL with contractor endorsements
  • · Tools & equipment
  • · Workers' comp where required

Coverage 06

Business Owner's Package (BOP)

A simpler, often cheaper way to get the core coverage most small businesses need.

Who needs it

Most small businesses — bundles GL + property + business interruption.

What it typically covers

  • · General liability
  • · Business property
  • · Business income / interruption

Frequently asked questions

Ready to make sure you're properly covered?

Get a personalized quote, or upload your current policy and we'll review it for gaps.