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Business Coverages List

A bundled policy that protects your business property, liability, and income in one package.

Business Owners Insurance

A bundled policy protecting business property, liability, and income in one single, affordable package.

Covers employee injuries, medical bills, and lost wages after workplace accidents.

Workers' Compensation Insurance

Covers employee medical bills and lost wages after accidents while shielding the business from related lawsuits.

Protects your business from data breaches, cyberattacks, and digital system failures.

Cyber Liability Insurance

Protects against the financial impact of data breaches, ransomware, cyberattacks, and digital system failures.

Protects your business from lawsuits involving injuries, property damage, and accidents.

General Liability Insurance

Coverage for claims involving customer injuries, property damage, and advertising harm.

Covers vehicles used for business operations.

Business Auto Insurance

Protection for vehicles a company owns, leases, or uses for work, covering accidents and repairs.

Protects your building, equipment, and inventory from damage or loss.

Commercial Property Insurance

Protects physical assets—including buildings and inventory—against fire, theft, and storms.

Adds extra liability protection beyond your primary policies.

Commercial Umbrella Insurance

Provides additional liability limits for when primary policies reach their maximum payout.

Protects your business from employee-related lawsuits.

Employment Practices Liability Insurance (EPLI)

Shields businesses from claims of wrongful termination, discrimination, or harassment.

Covers professional mistakes, missed deadlines, and service errors.

Errors & Omissions (E&O) Insurance

Protects service-based businesses from claims of negligence, mistakes, or failure to deliver services.

Protects business leaders from personal liability.

Directors & Officers (D&O) Insurance

Shields executives and board members from personal liability related to management decisions.

Protects your business from water damage caused by flooding.

Flood Insurance

Specifically covers water damage caused by rising water, storm surges, and heavy rain.

Covers losses from theft, fraud, forgery, and employee dishonesty.

Crime Insurance

Protects against financial losses caused by internal employee dishonesty or external theft and fraud.

Protects buildings under construction or renovation.

Builders Risk Insurance covers property and materials during construction, renovation, or expansion.

Coverage for property, materials, and equipment during construction, renovation, or expansion.

Protects businesses that serve alcohol from alcohol-related claims.

Liquor Liability Insurance

Essential for businesses serving alcohol, covering claims involving intoxicated customers.

Covers liability and property risks for temporary events.

Special Event Insurance

Protects event hosts and venues from liability and property damage during temporary events.

Guarantees your business will fulfill contractual obligations.

Surety Bonds

Financial guarantees that a business will fulfill its contractual or legal obligations.

Covers goods, vessels, and equipment transported over water.

Ocean Marine Insurance

Protects cargo, vessels, and maritime equipment transported over water.

Protects equipment, tools, and goods in transit on land.

Inland Marine Insurance

Specialized coverage for mobile equipment, tools, and property transported over land.

Covers pollution-related risks and cleanup costs.

Environmental Insurance

Covers pollution-related risks, contamination cleanup costs, and environmental damage claims.

Covers the cost of repairing or replacing essential equipment after mechanical or electrical failure.

Systems Breakdown Insurance

Pays to repair or replace critical equipment after unexpected mechanical or electrical failure.

Protects your business financially if a key employee or leader passes away.

Key Person Life Insurance

Financial support for a business if a critical employee or owner passes away unexpectedly.

Protects employers who manage employee benefit plans.

Fiduciary Liability Insurance

Protects employers from claims involving the mismanagement of employee benefit plans.

Protects aircraft, pilots, passengers, and aviation operations from liability and property risks.

Aviation Insurance

Protection for aircraft owners and aviation businesses against damage, injuries, and hangar liability.

Protects auto dealerships from inventory, liability, and operational risks.

Dealership Insurance

Covers vehicle inventory, customer test drive liability, and garage operations for auto dealers.

Covers multiple business vehicles under one policy.

Fleet Insurance

Simplifies protection by covering multiple business vehicles, such as delivery vans and service trucks, under one policy.

Protects businesses operating or selling internationally.

International Business Insurance

Protects global operations, including foreign liability and international shipments.

Protects service based businesses from liability and professional mistakes.

Professional Services Insurance

Combines general and professional liability for consultants and advisors to cover negligence and disputes.

Protects investment properties from damage, liability, and income loss.

Real Estate Investor Insurance

Protects rental properties and "fix-and-flip" homes from damage, tenant claims, and income loss.

Protects retail stores from property, liability, and customer related risks.

Retail Business Insurance

Covers shop inventory, customer injuries, and theft for boutiques and storefronts.

Protects commercial trucks, drivers, cargo, and liability exposures.

Trucking Insurance

Specialized liability and cargo protection for long-haul truckers and local delivery fleets.

Protects warehouses, inventory, equipment, and distribution operations.

Wholesaler and Distributor Insurance

Protects warehouse property, large inventory stock, and equipment from spoilage or theft.

Protects breweries from equipment, liability, and production risks.

Brewery Insurance

Covers brewing systems, contamination, and liquor liability for craft beer producers.

Protects child care centers from liability, injury, and property risks.

Child Care Center Insurance

Essential for daycares, covering playground injuries and staff-related liability.

Protects churches from property, liability, and community related risks.

Church Insurance

Protects religious organizations' buildings, volunteers, and community events.

Protects contractors from job site liability, tools, and equipment risks.

Contractor Insurance

Protects tradespeople (plumbers, roofers, etc.) from job site liability and tool theft.

Protects condo buildings, shared spaces, and association liability.

Condo Building Insurance

Covers structures, shared common areas, and association liability for property managers.

Protects dance studios from injury, liability, and property risks.

Dance Studio Insurance

Coverage for student injuries, instructor liability, and studio property.

Protects farms from crop, livestock, equipment, and property risks.

Farm Insurance

Protects agricultural operations, including barns, livestock, crops, and machinery.

Protects gyms from injury, equipment, and liability risks.

Fitness Center Insurance

Coverage for member injuries, trainer liability, and gym equipment damage.

Protects auto repair shops from liability, equipment, and property risks.

Garage Repair Shop Insurance

Protects mechanics and body shops against accidents involving customer cars and faulty workmanship.

Protects golf courses from property, liability, and equipment risks.

Golf Course Insurance

Covers clubhouse property, greens, golf carts, and guest injuries.

Protects manufacturers from equipment, product, and liability risks.

Manufacturer Insurance

Protects machinery and production lines from breakdown and covers product liability.

Protects medical practices from malpractice, liability, and property risks.

Medical Office Insurance

Specialized coverage for malpractice claims, patient data, and medical device failure.

Protects nonprofits from liability, volunteer risks, and property damage.

Non Profit Insurance

Protects board members and volunteers from liability while serving the community.

Protects property managers from liability, tenant disputes, and operational risks.

Property Manager Insurance

Covers tenant disputes, wrongful eviction claims, and management errors.

Protects restaurants from fire, liability, equipment, and food related risks.

Restaurant Insurance

Protects against kitchen fires, food spoilage, and customer slip-and-fall incidents.

Protects schools from student injuries, property damage, and liability risks.

School Insurance

Coverage for educational institutions regarding student injuries, staff liability, and cyber risks.

Protects tech companies from cyber, liability, and intellectual property risks.

Technology Firm Insurance

Protects IT consultants and software companies from intellectual property disputes and data breaches.

Protects wineries from production, property, and liability risks.

Winery Insurance

Protection for vineyards and tasting rooms, covering wine production and contamination.

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