Coverage lines
Commercial insurance coverage we place
Each line has its own page so Google and a business owner can find general liability, commercial auto, workers compensation, and the rest without guessing from the homepage.
General Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Read the coverageBusiness Owner's Policy
A packaged policy that pairs general liability with commercial property and business income for eligible classes.
Read the coverageCommercial Property
Buildings, inventory, equipment, and business income when fire, theft, wind, or water shut you down.
Read the coverageCommercial Auto
Owned, hired, and non-owned vehicles — work vans, box trucks, service bodies, trailers, and company cars.
Read the coverageWorkers Compensation
Private WC in competitive states, plus stop-gap and multi-state design. Washington employers stay with L&I for WA payroll.
Read the coverageCyber
Ransomware, data-breach response, forensic IT, notification, and business income after a network event.
Read the coverageCommercial Umbrella
Extra liability limits over general liability, the BOP, and commercial auto when a serious claim exceeds primary.
Read the coverageInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Read the coverageSurety Bonds
License and permit bonds, contract bonds, and business service bonds for trades and service companies.
Read the coverageProfessional Liability
Errors-and-omissions coverage when advice, design, or a professional service is alleged to have caused a financial loss.
Read the coverageEquipment Breakdown
Boilers, refrigeration, production machinery, diagnostic equipment, and the business income that follows a mechanical failure.
Read the coverageBuilders Risk
Course-of-construction coverage for new buildings and renovations — materials, the structure, and temporary works.
Read the coverageLiquor Liability
Dram-shop and liquor-law liability for restaurants, hotels, and tasting rooms that serve as part of a hospitality operation.
Read the coverageManagement Liability
Directors and officers, employment-practices, fiduciary, and employee-benefits liability on one conversation.
Read the coverageCommercial Farm
Farms, ranches, wholesale nurseries, and commercial wineries — working operations, not hobby acreage.
Read the coverage