Coverage Types

What We Cover.

Explore our commercial insurance products. Each page explains what's covered, who needs it, and what happens without it.

General Liability

The foundation of every business insurance program.

Professional Liability

Protection when your expertise is questioned.

Workers' Comp

Protect your team. It's the law in most states.

Commercial Auto

Your personal auto policy won't cover business use.

Commercial Property

Your building, equipment, and inventory — protected.

Business Owner's Policy

General liability + property insurance, bundled and discounted.

Tools & Equipment

Your tools earn your living. Protect them.

Product Liability

If you make, sell, or distribute products — you're exposed.

Liquor Liability

Serving alcohol creates unique legal exposure.

Employment Practices

Employee lawsuits are more common than you think.

Umbrella / Excess

When your other policies aren't enough.

Cyber Liability

Data breaches don't just happen to big companies.

Compare

Which Coverage Do You Need?

Not sure where to start? Here's how the three most common commercial coverages stack up.

Feature	General LiabilityDetails	Business Owner's PolicyDetails	Umbrella / ExcessDetails
Third-party bodily injury
Third-party property damage
Your building & equipment
Business interruption
Advertising & personal injury
Limits beyond underlying policy
Covers multiple policy gaps
Often required by contracts			Sometimes
Bundled discount

General Liability

Third-party bodily injury

Third-party property damage

Your building & equipment

Business interruption

Advertising & personal injury

Limits beyond underlying policy

Covers multiple policy gaps

Often required by contracts

Bundled discount

Business Owner's Policy

Third-party bodily injury

Third-party property damage

Your building & equipment

Business interruption

Advertising & personal injury

Limits beyond underlying policy

Covers multiple policy gaps

Often required by contracts

Bundled discount

Umbrella / Excess

Third-party bodily injury

Third-party property damage

Your building & equipment

Business interruption

Advertising & personal injury

Limits beyond underlying policy

Covers multiple policy gaps

~Often required by contracts(Sometimes)

Bundled discount

Most businesses need more than one type. Not sure? Start the screener — we'll help you figure it out.

Risk Assessment

What's Your Risk Profile?

Six questions. Sixty seconds. We'll score your exposures and tell you exactly what you need — and what you don't.

Question 1 of 6

What industry are you in?

This determines your baseline risk profile and which coverages are standard for your sector.