Coverage built for your business.
Protect your people, equipment, and contracts. Most quotes same-day; specialized risks may need a short consult.
Quick tip: Many small businesses qualify for a BOP (bundled property + liability) at lower cost than separate policies.
What kind of business coverage do you need?
Select an option below to start your quote.
By policy type
General liability →
- Slip-and-fall claims
- Damage to others’ property
- Contract requirements
Business owner’s policy (business-owners-policy) →
- GL + property bundle
- Business interruption
- Equipment & inventory
Commercial auto →
- Owned, hired & non-owned
- Driver lists
- Liability & physical damage
Professional liability (E&O) →
- Service mistakes
- Client financial loss
- Contract compliance
Cyber (data breach & ransomware) →
- Data breach costs
- Ransomware downtime
- Forensics & notification
Tools & equipment (Inland marine) →
- On-site & in transit
- Job-site theft
- Scheduled items
Commercial umbrella →
- Higher liability limits
- Over GL/Auto/WC
- Meets bid/lease terms
Employment practices (EPLI) →
- Hiring/firing claims
- Harassment & discrimination
- Defense costs
By industry
Contractors
- GL • Auto • Tools
- Additional insureds
- Waivers & primary/non-contrib
Retail & food
- business-owners-policy • WC • EPLI
- Equipment breakdown
- Liquor liability (as required)
Offices & clinics
- Professional liability
- Cyber & privacy
- Hired/non-owned auto
Light manufacturing
- Products/completed ops
- Property & equipment
- Business income (supply-chain)
Home-based business
- In-home equipment
- Off-premises property
- Client/site liability
Real estate & landlords
- Lessor’s risk (prop & GL)
- Lease AI/waiver wording
- Umbrella limits
Quick answers
Short notes to help you decide. More details in our Resources.
BOP vs General Liability—what’s the difference?
GL handles third-party injury/property claims. A BOP bundles GL with property (your space, equipment, inventory) and often business income—usually cheaper than buying separate policies.
Do I need Workers’ Comp for 1099s?
Rules vary by state and contract. Many primes require WC regardless of W-2/1099 status. We’ll review your setup and advise on the cleanest path to compliance.
Can you add Additional Insured or Waiver wording?
Yes—most carriers support AI and Waiver of Subrogation with the right endorsements. Send the contract; we’ll match wording or provide carrier-approved equivalents.
How fast can you issue a COI?
Same day for most requests received before 3:00pm. Complex wording or new endorsements may add a short review window—we’ll let you know immediately.