Business Insurance

Commercial insurance protects you and your business from potential losses that may result from unforeseen circumstances. All types of unfortunate events can result in work interruptions. On-the-job injuries affect your valued workforce; fire damage can bring operations to a halt at your brick and mortar facilities. The bottom line is, when work stops, revenue is affected.

You can’t launch a business without risk, of course. As a small business, you probably don’t have the luxury of having a staff risk manager, but keeping risks and losses low is crucial to your operation. Choose adequate commercial insurance; it helps reduce risks and losses by offsetting the impact of the business disruptions you can’t plan for.

  • Offices, services, mercantile, retail and restaurants
  • Small Commercial, “Main Street” mixed mercantile/habitational
  • Over 75 classes
  • Larger accounts that do not fit into our BOP program
  • Large commercial, habitational risks, apartment buildings, mixed mercantile/ habitational
  • Landlords exceeding four tenants, restaurants, liquor liability (25 percent  of receipts)
  • Small artisan contractors, independent contractors (No general contractors)
  • Residential and/or light commercial work; 12 total classes

Property Coverage

  • Basic, Broad & Special Forms
  • Building
  • Business Personal Property
  • Tenants Improvements & Betterments
  • Business Income & Expense
  • Loss of Rents
  • Additional Property Extensions
  • Ordinance & Law
    Equipment Breakdown
  • Data Breach Coverage
  • Inland Marine – scheduled high value equipment

Liability Coverage

  • Business General Liability
  • Owners, Landlords & Tenants
  • Bodily Injury & Property Damage
  • Products and Completed Operations
  • Fire Legal
  • Additional Insured Endorsements
  • Hired & Non-owned Auto
    Contractor’s Liability

Commercial Risk Written

  • Retail
  • Wholesale
    Service
  • Professional (specific classes)
  • Small Contractors (specific classes)

General Personal Guidelines

  • New business ventures are eligible
  • Older buildings must have major systems updates within last 25 years
  • Mixed Mercantile & Apartments, Apartments, Strip Malls, LRO, Larger commercial or apartment buildings up to $10M – $12M building value per building. Accounts with larger property schedules are possible with sufficient time
  • Small Contractors (up to $500,000 sales/3 employees, NO General Contractors)

Thanksgiving Office Hours

Our offices will close on Wednesday, November 26 at noon
and remain closed on Thursday, November 27 & Friday, November 28. 

If you need assistance, please submit a form and our team will follow up promptly once we reopen.

Veteran’s Day

Office Hours

We will be closed in observance of Veteran’s Day Tuesday, November 11, 2025
Our offices will re-open for normal business on Wednesday, November 12, 2025

If you need assistance, please submit a form and our team will follow up promptly once we reopen.