Commercial coverage only
Commercial insurance coverage we place
Fifteen lines a standard admitted commercial program actually uses. We shop A-rated carriers and work for the client. We do not write personal homeowners, personal auto, or surplus entertainment classes.
General Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
General Liability detailsBusiness Owner's Policy
A packaged policy that pairs general liability with commercial property and business income for eligible classes.
Business Owner's Policy detailsCommercial Property
Buildings, inventory, equipment, and business income when fire, theft, wind, or water shut you down.
Commercial Property detailsCommercial Auto
Owned, hired, and non-owned vehicles — work vans, box trucks, service bodies, trailers, and company cars.
Commercial Auto detailsWorkers Compensation
Private WC in competitive states, plus stop-gap and multi-state design. Washington employers stay with L&I for WA payroll.
Workers Compensation detailsCyber
Ransomware, data-breach response, forensic IT, notification, and business income after a network event.
Cyber detailsCommercial Umbrella
Extra liability limits over general liability, the BOP, and commercial auto when a serious claim exceeds primary.
Commercial Umbrella detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Inland Marine detailsSurety Bonds
License and permit bonds, contract bonds, and business service bonds for trades and service companies.
Surety Bonds detailsProfessional Liability
Errors-and-omissions coverage when advice, design, or a professional service is alleged to have caused a financial loss.
Professional Liability detailsEquipment Breakdown
Boilers, refrigeration, production machinery, diagnostic equipment, and the business income that follows a mechanical failure.
Equipment Breakdown detailsBuilders Risk
Course-of-construction coverage for new buildings and renovations — materials, the structure, and temporary works.
Builders Risk detailsLiquor Liability
Dram-shop and liquor-law liability for restaurants, hotels, and tasting rooms that serve as part of a hospitality operation.
Liquor Liability detailsManagement Liability
Directors and officers, employment-practices, fiduciary, and employee-benefits liability on one conversation.
Management Liability detailsCommercial Farm
Farms, ranches, wholesale nurseries, and commercial wineries — working operations, not hobby acreage.
Commercial Farm details