Commercial insurance, coordinated.
Established businesses usually carry several policies at once. We help you see how they fit together, so limits, renewal dates, and contract requirements line up instead of being handled one policy at a time.
How the policies work together
A business insurance program is more than a stack of separate policies. Umbrella and excess liability sits on top of your underlying coverage, so the underlying limits and structure matter. Renewal dates scattered across the year make it hard to review anything properly. Contracts and leases often name specific coverages, limits, and wording that have to match what you actually carry.
We look at the whole program, explain what we see in plain language, and keep it organized as your business changes.
General liability
Coverage for third-party bodily injury and property damage claims arising from your operations, premises, and completed work. Contracts and leases often require it.
What we look at
- What the business does and where it does it
- How you use subcontractors, if you do
- Contract and lease insurance requirements
- Claims history
Commercial auto
Coverage for vehicles your business owns or uses, with attention to who drives, where, and how the vehicles are used.
What we look at
- Number and type of vehicles
- Who drives them and how far
- Hauling, equipment, or job-site use
- Driving and claims history
Workers’ compensation
Coverage for employee work injuries and related medical and wage costs, set up around accurate payroll and job classifications.
What we look at
- Payroll by job duty
- Employee count and use of subcontractors
- Claims and experience history
- Safety practices and operations
Commercial property
Coverage for buildings, equipment, inventory, and business income. For coastal properties, wind and storm exposures deserve a close look.
What we look at
- Building and contents values
- Construction, age, and updates such as roof and wiring
- Business income and equipment
- Location and storm exposure
Umbrella and excess liability
Additional liability limits above your primary policies, often requested in contracts and by lenders.
What we look at
- Limits on your underlying policies
- Contract and lender requirements
- The size of the exposures you are protecting
- How the policies are structured to work together
Industries we’re glad to hear from
- Contractors and construction-related businessesLiability, auto, workers’ compensation, and contract insurance requirements tend to arrive together. We help keep them lined up.
- Restaurants and hospitalityPremises, property, equipment, and employee exposures that need to be reviewed as one program.
- Distributors, wholesalers, and suppliersInventory, delivery vehicles, warehouse premises, and customer contracts.
- Established service businessesEmployees, vehicles, equipment, and the contracts that come with serving other businesses.
- Industrial, oil and gas, and coastal operationsBusinesses supporting these industries often face detailed contract and insurance requirements.
- Commercial property owners and landlordsBuildings, tenants, and liability exposures that should be reviewed together.
We look at each business individually. Coverage availability, terms, and pricing depend on underwriting.
Talk with us about your business insurance.
Tell us about the business and what’s prompting the review, or call and talk it through.