Business Coverages List

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

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

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

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

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

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

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

Employment Practices Liability Insurance (EPLI)
Shields businesses from claims of wrongful termination, discrimination, or harassment.

Errors & Omissions (E&O) Insurance
Protects service-based businesses from claims of negligence, mistakes, or failure to deliver services.

Directors & Officers (D&O) Insurance
Shields executives and board members from personal liability related to management decisions.

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

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

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

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

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

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

Ocean Marine Insurance
Protects cargo, vessels, and maritime equipment transported over water.

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

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

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

Key Person Life Insurance
Financial support for a business if a critical employee or owner passes away unexpectedly.

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

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

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

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

International Business Insurance
Protects global operations, including foreign liability and international shipments.

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

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

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

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

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

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

Child Care Center Insurance
Essential for daycares, covering playground injuries and staff-related liability.

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

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

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

Dance Studio Insurance
Coverage for student injuries, instructor liability, and studio property.

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

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

Garage Repair Shop Insurance
Protects mechanics and body shops against accidents involving customer cars and faulty workmanship.

Golf Course Insurance
Covers clubhouse property, greens, golf carts, and guest injuries.

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

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

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

Property Manager Insurance
Covers tenant disputes, wrongful eviction claims, and management errors.

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

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

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

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