Coverage Types

Builders risk insurance covers buildings under construction, renovation materials, and temporary structures against damage from fire, wind, theft, and other covered perils.

Business interruption insurance replaces lost revenue and covers ongoing expenses when a covered event forces your business to temporarily close.

A BOP bundles general liability, commercial property, and business income coverage into a single policy at a lower premium than buying each separately.

Self-insured captive programs that give mid-to-large businesses direct control over risk financing, claims management, and underwriting profit retention.

Commercial auto insurance protects your work vehicles, equipment haulers, and drivers from liability and physical damage claims.

Commercial crime insurance covers employee theft, forgery, computer fraud, funds transfer fraud, and other criminal acts targeting your business finances.

Commercial earthquake insurance covers building damage, business personal property, and business income loss from earthquake events.

Commercial flood insurance covers your building and business contents against flood damage — a peril excluded from standard property policies.

Commercial property insurance protects your office, warehouse, and business contents from fire, theft, storms, and other covered perils.

Contractors tools and equipment insurance covers your tools, machinery, and portable equipment against theft, damage, and loss at jobsites and in transit.

Cyber liability insurance covers data breaches, ransomware attacks, business interruption from cyber events, and regulatory fines for privacy violations.

D&O insurance protects company leadership against personal liability for decisions made while managing the organization.

EPLI covers claims of wrongful termination, discrimination, harassment, retaliation, and other employment-related allegations against your business.

Equipment breakdown insurance covers mechanical and electrical failure of business equipment including HVAC systems, boilers, compressors, and manufacturing machinery.

Excess workers compensation provides catastrophic claim protection above your standard WC policy limits or self-insured retention.

Fidelity bonds protect your business against financial losses caused by employee theft, embezzlement, forgery, and dishonest acts.

Garage keepers insurance covers damage to customers' vehicles while in your care for service, repair, storage, or parking.

General liability insurance protects contractors from third-party bodily injury, property damage, and completed operations claims.

Employer-sponsored dental coverage that helps businesses attract and retain employees while promoting workforce health and reducing absenteeism.

Employer-sponsored medical coverage that meets ACA requirements while helping businesses attract top talent and manage healthcare costs.

Comprehensive employer-sponsored benefits including group life, short-term disability, long-term disability, AD&D, and voluntary supplemental coverage.

Hired and non-owned auto insurance covers liability when employees use personal vehicles for business or your company rents vehicles.

Inland marine insurance covers your tools, equipment, and materials in transit or stored at jobsites away from your premises.

Installation floater insurance covers materials and equipment during transit to a jobsite and during the installation process until the project is complete.

Liquor liability insurance covers claims arising from the sale, service, or distribution of alcohol — including injuries caused by intoxicated patrons.

Medical malpractice insurance covers healthcare providers against claims of negligent treatment, misdiagnosis, and medical errors that cause patient harm.

Motor truck cargo insurance covers freight and goods in transit against damage, theft, and loss while being transported by your trucks.

Pollution liability insurance covers cleanup costs, third-party bodily injury, and property damage from pollution events that general liability excludes.

Product liability insurance covers claims alleging your product caused bodily injury or property damage to consumers or end users.

Professional liability insurance protects businesses against claims of negligent advice, errors in professional services, and failure to deliver promised results.

Surety bonds guarantee your contractual and licensing obligations, giving project owners financial assurance that work will be completed.

Umbrella insurance provides additional liability limits above your GL, auto, and employers liability policies for catastrophic claim protection.

Warehouse legal liability insurance covers your legal obligation for loss or damage to customers' goods stored in your facility.

Workers compensation insurance covers employee injuries and illnesses on the job while keeping your business in statutory compliance.