Coverage
The coverage we structure for established businesses.
Not a menu pulled off a shelf — a program built around how your business actually operates. These are the lines we structure, grouped the way we think about a complete account.
Tier 1
Core Commercial
The foundation almost every commercial account is built on.
General Liability (GL)
Protects the business when its operations, premises, or products cause bodily injury or property damage to a third party.
Commercial Property
Covers your buildings, equipment, inventory, and contents against fire, theft, weather, and other physical loss.
Business Income / Business Interruption
Replaces lost income and covers ongoing expenses when a covered loss forces operations to pause.
Workers' Compensation
Pays medical costs and lost wages for employees injured on the job, and protects the employer from related lawsuits.
Commercial Auto
Covers vehicles owned or used by the business for liability and physical damage.
Commercial Umbrella / Excess Liability
Adds a layer of liability limits above GL, auto, and employer's liability — essential when a single claim can exceed primary limits.
Tier 2
Management & Professional Liability
Protection for the decisions, advice, and data behind the business.
Professional Liability / Errors & Omissions (E&O)
Covers claims that the business's professional advice or services caused a client financial harm.
Directors & Officers (D&O)
Protects company leadership personally against claims arising from management decisions.
Employment Practices Liability (EPLI)
Covers claims of wrongful termination, discrimination, harassment, and similar employment disputes.
Fiduciary Liability
Protects those who manage employee benefit or retirement plans against claims of mismanagement.
Cyber Liability
Covers data breaches, ransomware, business interruption from cyber events, and the costs of notification and recovery.
Tier 3
Property & Specialty
The lines that fill the gaps standard property leaves open.
Inland Marine
Covers property that moves or sits off-premises: contractor's equipment, tools, goods in transit, and specialized property.
Builders Risk
Covers buildings and materials during construction or renovation.
Equipment Breakdown
Covers sudden mechanical or electrical failure of boilers, HVAC, machinery, and electronics.
Contractor's Equipment
Covers owned, leased, or rented tools and heavy equipment against damage or theft, on-site or in transit.
Flood
Covers flood damage, which standard property policies exclude.
Earthquake
Covers earthquake damage, also excluded from standard property.
Ordinance or Law
Pays the extra cost of rebuilding to current codes after a covered loss.
Tier 4
Industry-Specific
Specialized lines that make a program genuinely tailored to a niche.
Liquor Liability
Covers claims arising from serving alcohol — essential for hospitality, restaurants, and any venue with a bar.
Product Liability
Covers harm caused by a product the business made, sold, or distributed.
Product Recall
Covers the cost of recalling and replacing a defective or contaminated product.
Garage Liability & Garagekeepers
Covers auto dealers and repair operations for liability and for damage to customers' vehicles in their care.
Motor Truck Cargo / Warehouse Legal Liability
Covers goods in a warehouse operator's or carrier's care against loss or damage.
Pollution / Environmental Liability
Covers cleanup costs and claims from pollution events.
Abuse & Molestation
Covers abuse claims — critical for any business serving vulnerable populations.
Crime / Fidelity
Covers employee theft, fraud, forgery, and similar financial crime.
Assault & Battery
Covers patron-on-patron incidents that GL may exclude — a hospitality endorsement.
Tenant / Lessor's Risk (LRO)
Covers property owners who lease space to tenants for liability arising from the leased premises.
Surety & Contract Bonds
Guarantees a business's performance or obligations — bid, performance, payment, and license bonds.
Not sure which lines your business actually needs?
That’s the conversation. An advisor maps your operations to the coverage that fits — and flags the gaps a once-a-year agent misses.