Commercial Property & Business Insurance

Commercial property insurance provides financial protection for your business property and equipment against covered losses such as fire, theft, vandalism, and natural disasters. This essential coverage helps ensure business continuity when unexpected events threaten your physical assets.

Our commercial property coverage includes:

• Building Coverage—Protection for your business premises, including walls, roof, floors, and permanently installed fixtures
• Business Personal Property—Coverage for equipment, inventory, furniture, supplies, and other business contents
• Loss of Income—Financial support when covered property damage forces you to suspend operations
• Extra Expense Coverage—Reimbursement for additional costs incurred to minimize business interruption

We work with leading carriers to provide comprehensive property protection tailored to your industry and specific business needs. Our experienced team understands the unique risks facing commercial property owners and helps ensure adequate coverage limits and appropriate deductibles.

General liability insurance is fundamental protection for any business. It covers third-party claims for bodily injury, property damage, and personal/advertising injury that may arise from your business operations, products, or services.

Key coverage areas include:

• Premises Liability—Injuries that occur on your business premises
• Products Liability—Claims arising from products you manufacture or sell
• Completed Operations—Coverage for work performed away from your premises
• Personal & Advertising Injury—Protection against claims of libel, slander, copyright infringement, or invasion of privacy
• Medical Payments—Immediate medical expenses for injured third parties, regardless of fault

Our general liability policies include defense cost coverage, ensuring you have legal representation when facing covered claims. We help determine appropriate policy limits based on your industry risk profile and contractual requirements.

Commercial auto insurance provides essential protection for vehicles used in your business operations. Whether you own a single delivery van or manage a fleet of commercial vehicles, proper auto coverage protects your business from significant financial exposure.

Our commercial auto coverage options include:

• Liability Coverage—Protection against third-party bodily injury and property damage claims
• Physical Damage—Comprehensive and collision coverage for your business vehicles
• Medical Payments—Coverage for medical expenses of you and your passengers
• Uninsured/Underinsured Motorist—Protection when the at-fault party lacks adequate insurance
• Hired & Non-Owned Auto—Coverage for vehicles you don't own but use for business purposes

We understand that different businesses have varying vehicle needs and risk exposures. Our team works to design commercial auto programs that provide appropriate coverage while managing costs effectively through proper driver qualification and fleet safety programs.

Workers' compensation insurance provides medical benefits and wage replacement for employees who suffer work-related injuries or illnesses. In most states, this coverage is legally required for businesses with employees, making it a critical component of your business insurance program.

Workers' compensation benefits include:

• Medical Care—Coverage for all necessary medical treatment related to work injuries
• Lost Wages—Partial wage replacement during recovery periods
• Disability Benefits—Compensation for permanent partial or total disabilities
• Death Benefits—Financial support for families of workers who die from work-related causes
• Vocational Rehabilitation—Retraining services for workers unable to return to their previous jobs

Our workers' compensation specialists help ensure compliance with state requirements while implementing safety programs and return-to-work initiatives that can help control costs and protect your workforce.

Professional liability insurance (also known as Errors & Omissions insurance) protects businesses that provide professional services or advice. This coverage is essential for service-based businesses where client relationships and professional expertise are central to operations.

This coverage protects against claims alleging:

• Professional Negligence—Failure to perform professional duties to accepted standards
• Errors & Omissions—Mistakes or oversights in professional services
• Failure to Deliver—Claims arising from inability to complete promised services
• Breach of Contract—Allegations of failing to meet contractual obligations
• Discrimination Claims—Employment-related liability exposures

We work with specialty carriers who understand the unique exposures facing different professions, ensuring your professional liability coverage aligns with industry standards and client contract requirements.

In today's digital business environment, cyber liability insurance has become essential protection against the growing threat of data breaches, cyber attacks, and technology failures. This coverage helps businesses respond to and recover from cyber incidents that could otherwise devastate operations and reputation.

Our cyber liability coverage includes:

• Data Breach Response—Coverage for notification costs, credit monitoring, and public relations expenses
• Cyber Extortion—Protection against ransomware and other cyber extortion threats
• Business Interruption—Lost income due to network security failures or system outages
• Third-Party Liability—Claims from customers or partners affected by your data breach
• Regulatory Fines—Coverage for fines and penalties related to privacy law violations

Our cyber liability policies often include access to incident response teams, forensic investigators, and legal counsel specializing in data privacy law, providing immediate expert assistance when cyber incidents occur.