top of page



We offer a wide range of Commercial insurance options.
Browse our options below, or just fill out the form to get started today!

Thanks! Message sent.

Protect what you worked so hard to create. 

City Intersection

Commercial Property 

Factors that are considered when determining the Commercial Property risks:

  • Location - Is the region susceptible to storms and other natural disasters?

  • Construction - Does the building have upgrades such as; electrical and/or plumbing?  Does the construction meet the latest safety standards?

  • Occupancy - What business is operating in the building?  General office space is less risky than a restaurant or a retail store.

  • Fire - How far from the nearest fire hydrant and fire station? Does the building have a fire alarm and a sprinkler system?

  • Theft - Is there a security guard or security system on site?

Property Comm

Commercial property insurance protects commercial property from such perils as fire, theft, vandalism, explosion and natural disasters.

This type of insurance covers  an organization against damage to their building, its contents (furniture, equipment, inventory) and exterior fixtures.  Commercial property insurance is needed by every business including manufacturers, retailers, engineering, medical and rental property. 

Examples of Commercial Property Insurance:

  • Commercial Building Insurance

  • Apartment Building Insurance

  • Commercial Earthquake Insurance

  • Inland Marine Insurance

  • Course of Construction Insurance

  • Commercial Package Insurance

  • Crime Insurance

Liability is one of the top concerns  for business leaders in the United States

Without proper insurance  businesses can be wiped out by a disaster or a lawsuit.

We write with top 10 ranked carriers listed as the largest insurance groups of 2016

Liability Comm
View Looking Up at Tall Buildings

Commercial Liability

Coverage for Commercial Liability insurance includes:


 Bodily Injury and Property Damage 


 Personal and Advertising Injury 


Medical Payments

Coworkers plan work
Examples of Commercial Liability Insurance are:
  • General Liability Insurance

  • Business Owners Policy

  • Commercial Package

  • Employment Practices Liability Insurance

  • Garage Liability Insurance

  • Pollution Liability Insurance

  • Tenant Discrimination Insurance

  • Liquor Liability Insurance

  • Cyber Liability Insurance

  • Surety/Bond

Commercial liability insurance protects your business from financial loss when you are liable for bodily injury, property damage, and/or personal injury caused by your services, business operations or your employees. 

This type of insurance covers the cost of personal and property damages including your legal defense up to the limits of your policy.  General commercial liability insurance can be purchased individually or as part of a Business Owners Policy or Commercial Package Policy.  Commercial liability insurance is needed by every business including restaurants, bars, medical practices and manufacturing. 

Auto Commercial

Liability is one of the top concerns  for business leaders in the United States

Commercial Auto

Commercial vehicle insurance protects any vehicle designated for business use against an accident or property damage. 
This type of insurance covers the physical damage and liability that can be incurred from an accident while in business use.   Commercial vehicle insurance includes a wide variety of vehicles from business owned automobiles to un-owned automobiles used for business, commercial trucks, work vans and service utility trucks.
Coverages for Commercial Auto insurance include:
  • Bodily Injury Liability - Liability coverage for bodily injury or death to the other party resulting from an accident where you are at fault.

  • Property Damage Liability - Liability coverage for damages to another person's personal property caused by your vehicle.

  • Comprehensive - Protection for damage to your vehicle from theft, vandalism, flood and fire.

  • Collision - Insurance for damage to your vehicle from an accident.

  • Medical Payments - Protection  for medical expenses for the driver and passengers from an accident regardless of fault.

  • Uninsured/Underinsured Motorist - Coverage for injuries and property damage caused by an uninsured vehicle or a hit-and-run driver.

  • Towing - Coverage for towing your commercial vehicle to a repair facility.

  • Car Rental - Coverage for a rental car while your commercial vehicle is being repaired.

Examples of Commercial
Vehicle Insurance are:
  • Commercial Auto

  • Cargo

  • Non-Owned/Hired Auto

  • Trucking

Cars Parked in a Line Up

Liability is one of the top concerns  for business leaders in the United States

Group Health

Group Health

Group Health insurance is a health insurance plan established or maintained by an employer or a member organization to provide medical care for participants and their dependents. 

This type of insurance typically provides insurance at a reduced cost because the insured risk is spread across the group of participants.  Group health insurance plans come in various forms that differ based on which doctors you can use, the amount of deductibles and the party that will pay the medical claims.   With the passing of the Affordable Care Act everyone is required to have health insurance coverage.

Group Health Plans can include:


Medical Insurance 


Dental Insurance 


Vision Insurance 

Type of Group Health Plans are:

Health Maintenance Organization (HMO) -  Covers most medical treatment, but requires you to identify a primary care physician for your basic treatment.  If your care requires a specialist, you must get a referral from your primary care physician to see a specialty doctor for additional advice and treatment.  The primary care physician and the medical specialist must be within the HMO's network of healthcare providers.  HMO's typical cost less but restrict your choices and require you to follow a process to get access to medical specialties.

Preferred Provider Organization (PPO) -  Covers most medical treatment and gives you the freedom to choose your doctors and specialists within or even outside of the PPO's network without requiring a referral from a primary care doctor.  PPO's typically cost more and require more of your involvement to find specialty doctors and coordinate appointments, but you can choose which doctors you want to see, when you want to see them.

High-Deductible Health Plan (HDHP)/Health Savings Account (HSA) -  Covers most medical treatment by using a HMO, PPO, EPO or POS, but has a much higher deductible and out-of-pocket limits to pay before receiving any coverage from the health insurance plan.  Once you reach the out-of-pocket limits for the year the plan covers 100% of your care for the remainder of the year. 

(continued) HDHP are lower in cost for each of the plan types because the insurance coverage only provides payments once the out-of-pocket limits and deductibles have been met.  Many of the HDHP plans offer a tax advantaged health savings accounts to help pay the deductible and out-of-pocket expenses.  The money you place in an HSA account is not taxed and can be used tax-free for eligible medical costs.  You must be enrolled in a HDHP to have an HSA account.

To learn more about offering Group Health Insurance, Click 'start a quote' to have one of our experienced agents contact you

Exclusive Provider Organization (EPO) -  Covers most medical treatment, but is a hybrid of the HMO and the PPO plans.  The EPO has the freedom to not commit to a primary doctor or get a referral from a doctor before seeing a specialist, but you must use the selected doctors that the EPO network offers.  EPO's still has many of the freedoms and costs less than a PPO, but they are still higher in cost than the HMO.​

Small Business Group Health -  Businesses under 50 employees can get coverage for primary health care, laboratory services and physical exams.

Self-Funded Group Health -  Typically this is only used by large businesses that cover all of the employee health care costs and other benefits using their own funds.

Liability is one of the top concerns  for business leaders in the United States

Business Meeting
Professional Liability

Professional Liability

Professional liability insurance protects your business against claims that your service caused financial harm to your client.

This type of insurance covers the mistakes/errors/negligence that you or your employees made while providing advice or conducting your business.  Many types of businesses can benefit from professional liability insurance including:

  • Technology professionals

  • Legal & financial professionals

  • General contractors

  • Real estate  

  • and other businesses that work directly with the general public. 

Professional liability insurance does not include coverage for criminal prosecution and other liabilities when civil laws have been violated.

Coverage for Professional Liability insurance include:


Defense Costs​


Copyright Infringement 


Claims & Damages


Undelivered Services


Temporary staff 


Independent contractors​

Working Coffee
Examples of Professional Liability Insurance are:
  • Errors & Omissions

  • Directors & Officers

  • Employment Practices Liability

To learn more about protecting your business with professional liability insurance, start a quote to have one our experienced agent contact you.

Workers Comp

Liability is one of the top concerns  for business leaders in the United States

We write with top 10 ranked carriers listed as the largest insurance groups of 2016

Workers Compensation

Worker compensation insurance protects employers and employees from injuries that occur when your employee is acting in the course and scope of employment.

This insurance covers an injured worker for medical care and income compensation while they are unable to return to work.  Workers Compensation insurance also typically covers the employer from law suits brought on by workers that are injured while performing their duties.  This type of insurance is required by every business that has employees in every state.  But no two states have the same exact governing laws and regulations and punitive damages for employer negligence are generally not available in workers compensation plans.

Coverage for Professional Liability insurance include:


Benefit Amounts


Benefit Duration


How Medical care is Delivered


How Injuries are Evaluated 


What injuries and impairments are covered

Step Ladder
Coverages for Workers Compensation insurance include:
  • Medical - Doctor visits, hospital care, physical therapy and prescription medication.

  • Disability - Partial income replacement

  • Vocational Rehabilitation

  • Death Benefits

  • Employment Related Illnesses

Umbrella Comm

Liability is one of the top concerns  for business leaders in the United States

We write with top 10 ranked carriers listed as the largest insurance groups of 2016

Rainy Day

Umbrella Insurance 

Commercial Umbrella or Commercial Excess insurance extends your businesses liability coverage adding an additional layer of insurance to protect your business.

 This type of insurance protects your business assets when you are the target of a lawsuit and the cost exceed the limits of your underlying primary insurance policies.  In practice the terms Umbrella and Excess Liability are often used interchangeably and both offer coverages above the base policy limits.  But the subtle difference is that umbrella policies can offer additional coverages not available in the underlying policies and excess insurance only provides extended limits above the base policy coverage.  Each insurance company is different so it is always important to read your policy and understand your coverages.

Difference between Umbrella and Excess Liability Insurance:

  • Umbrella Insurance - Provides excess coverage above the limits of the underlying liability policies and can also provide additional coverage not available in the base policies.

  • Excess Insurance - Provides excess coverage above the limits of the underlying liability policies and can be more restrictive than the underlying coverage.

Umbrella and Excess insurance does NOT provide additional coverage for a:


Property Insurance Claim


Errors and Omissions Claim


Professional Liability Claim


Cost previously paid by the underlying policy

bottom of page