Commercial classes
Industries we know how to place
Featured hospitality, contractor, and Main Street classes first. Every page is a commercial account. We do not write personal lines, and we do not promote surplus entertainment or high-risk books from this hub.
Featured specialties
Restaurant and Food Service
Kitchens, dining rooms, delivery, and liquor — packaged for restaurants that actually cook and serve.
Restaurant and Food Service coverageCommercial General Contractor
GL, builders risk, auto, surety, and multi-state WC/stop-gap for commercial GCs — not a handyman policy.
Commercial General Contractor coverageHotel
Guest premises, property, liquor, garagekeepers, and the income story of a limited-service or full-service hotel.
Hotel coverageProperty Management
Managers of commercial office, retail, and industrial buildings — GL, E&O, EPL, and the owner certificates you issue every week.
Property Management coverageAuto Repair and Garage
Garagekeepers, shop liability, tools, and the care of customers' vehicles — written as a garage, not a generic store.
Auto Repair and Garage coverageManufacturing
Products liability, property, equipment breakdown, and the payroll story of a plant that actually makes things.
Manufacturing coverageWholesale and Distribution
Warehouse property, fleet, products liability, and cargo for distributors who move other people’s shelves.
Wholesale and Distribution coverageGym and Fitness Studio
Member premises, training staff, equipment, and the waiver-and-assumption story of a commercial gym.
Gym and Fitness Studio coverageBeauty Salon
Styling, color, skin, and booth-renter certificates — salon professional liability plus a real package on the suite.
Beauty Salon coverageGas Station
Fuel, c-store, car wash, and the tank-and-pollution file that a generic store policy will not carry.
Gas Station coverageMore commercial classes
Accountant
CPA and bookkeeping firms: professional liability first, then cyber, a office package, and the tax-season spike.
Accountant coverageAdvertising Agency
Professional liability, cyber, and a package for shops that sell ideas, media, and production.
Advertising Agency coverageAppliance Repair
Shop and mobile techs: GL on the house call, a tools floater, commercial auto, and the bailee unit in the van.
Appliance Repair coverageArt Gallery
Dealer galleries: fine-arts inventory, bailee on consigned work, premises, and the opening that pours wine.
Art Gallery coverageAssociation
Trade, professional, and civic nonprofits: D&O, general liability, event certificates, and the office that is not a church.
Association coverageAuto Parts Store
Auto and home supply retail: parts on the shelf, a counter that sells to shops and DIYers, and a premises — not a personal auto policy.
Auto Parts Store coverageBank and Credit Union
Community banks and credit unions: a financial-institution package, fidelity, cyber, D&O, and the branch that is still a building.
Bank and Credit Union coverageBarber Shop
Chair professional liability, premises, and a simple package for barbershops that are not salons.
Barber Shop coverageCarpenter
Finish and framing carpenters: GL, tools, a license bond, and the completed-operations file a handyman policy skips.
Carpenter coverageCatering
Off-premises food, liquor, vans, and a commissary — the restaurant policy that has to leave the building.
Catering coverageChurch and Religious Organization
Houses of worship: property, premises, counseling professional, and religious D&O — written as a ministry, not an office.
Church and Religious Organization coverageCleaning Company
Janitorial GL, a service bond, and care of other people’s premises and property.
Cleaning Company coverageClothing Store
Inventory, premises, and a BOP that survives a seasonal peak and a shoplifting year.
Clothing Store coverageCoffee Shop
Espresso bars and cafes: a BOP that understands equipment, seating, and a second location that is really a roaster.
Coffee Shop coverageCommercial Lessors
Owners of office, retail, and light industrial buildings — lessors risk, not a habitational apartment form.
Commercial Lessors coverageComputer Repair
Shop and on-site techs: customer machines on the bench, a parts bin, and the data that came in with the laptop.
Computer Repair coverageConcrete Contractor
Flatwork and building concrete: GL, a mixer and forms floater, auto, and a bond — not a street-and-road program.
Concrete Contractor coverageDrywall Contractor
Completed-operations GL, tools, and the dust-and-jobsite file for hanging and finishing crews.
Drywall Contractor coverageElectrical Contractor
GL, installation floaters, license bonds, and the energized-work story of a licensed electrical shop.
Electrical Contractor coverageEngineering and Architecture
Design professional liability first, then a office package, cyber, and the field-visit auto file.
Engineering and Architecture coverageFence Contractor
Residential and commercial fence: GL, a materials floater, auto, and a license bond — not a landscaper policy that never mentioned posts.
Fence Contractor coverageFlooring Contractor
Installation GL, customer-property damage, and a license bond for commercial and retail floor work.
Flooring Contractor coverageFlorist
Coolers, delivery vans, event setups, and a perishable-inventory property story.
Florist coverageFood Manufacturing
Commissaries and food plants: spoilage, contamination, products, and the equipment that runs all night.
Food Manufacturing coverageFuneral Home
Premises, professional, autos, and the care of remains and families — written as a funeral home, not a chapel rental.
Funeral Home coverageFurniture Store
Showrooms and warehouses: a inventory that is bulky, a delivery crew, and a premises people sit down on.
Furniture Store coverageGift Shop
Novelty and souvenir retail: inventory, premises, and a peak-tourist season property limit.
Gift Shop coverageGlass and Glazing Contractor
Storefronts and interior glass: GL, an installation floater, a license bond, and the pane that is not a contents item.
Glass and Glazing Contractor coverageHardware Store
Independent hardware: inventory that includes paint and fasteners, a rental desk, and a premises that invites people to pick things up.
Hardware Store coverageHealth Practitioner
Counseling, chiropractic, and specialty practitioners — office package plus the professional line the license requires.
Health Practitioner coverageHobby, Toy, and Game Shop
Retail inventory, organized-play events, and a premises file for shops that host people as well as sell boxes.
Hobby, Toy, and Game Shop coverageHVAC Contractor
Install and service GL, refrigerant and rooftop work, vans, and a license bond.
HVAC Contractor coverageIT and Computer Services
Technology E&O, cyber, and a package for shops that implement, support, and sometimes host.
IT and Computer Services coverageJewelry Store
Jewelers block on the cases, premises, and the safe — not a gift-shop contents limit with a alarm sticker.
Jewelry Store coverageLandscaping
Crews, equipment, pesticide endorsements, and the jobsite GL a garden-center policy will not provide.
Landscaping coverageLaundry and Dry Cleaning
Bailee coverage for customers’ garments, plus equipment breakdown on the plant.
Laundry and Dry Cleaning coverageLawn Care
Route-based mowing and treatments: auto, equipment, and a pesticide endorsement that actually exists.
Lawn Care coverageLiquor Store
Off-premises retail: inventory, premises, and liquor liability for a package store — not a nightclub and not a bar.
Liquor Store coverageLocksmith
Mobile GL, a service bond, and the key-and-access story a handyman policy will not bond.
Locksmith coverageMailing Service
Lettershops and mail houses: property on the line, bailee on customer lists and stock, and the trucks that make the drop.
Mailing Service coverageMasonry Contractor
Brick, block, and stone: completed-operations, a materials floater, scaffolding, and a license bond.
Masonry Contractor coverageMedical and Dental Office
Clinic property, professional coordination, cyber, and med-waste — offices, not hospitals.
Medical and Dental Office coverageMuseum
Collections, visitors, and a building that is often older than the town — written as a museum, not a generic nonprofit office.
Museum coveragePainting Contractor
Overspray, completed operations, and a license bond for commercial and residential-commercial painters.
Painting Contractor coveragePersonal Services
A hub for service businesses that work on people or their property — not a dump page, a place to start.
Personal Services coveragePhotographer
Studios and mobile shooters: equipment floater, professional liability, and the wedding-day auto file.
Photographer coveragePlumbing Contractor
Water-damage completed operations, service vans, and the license bond a permit desk will ask for.
Plumbing Contractor coveragePrinter
Commercial print shops: the press, customer stock, ink and solvent, and a deadline that does not care about a breakdown.
Printer coveragePrivate School
Private K-12: the building, the students, the vans, abuse-and-molestation, and a board that is not a public district.
Private School coverageProfessional Consulting
Miscellaneous professional liability, cyber, and a office package for firms whose product is advice.
Professional Consulting coverageReal Estate Agent
E&O for the license, plus a office package and cyber for the brokerage that holds the files.
Real Estate Agent coverageRetail Bakery
Ovens, spoilage, products, and a storefront that also sells coffee — written as food retail, not a cafe-only BOP.
Retail Bakery coverageSheet Metal Contractor
Architectural and HVAC sheet metal: shop fabrication, an installation floater, GL, and a bond — not a roofing page.
Sheet Metal Contractor coverageSpecialty Retail
A hub for independent shops that are not a chain and not a generic “store” — inventory, premises, and the odd extra.
Specialty Retail coverageSporting Goods Store
Bikes, skis, and team gear: inventory, premises, a service bench, and a honest note about anything that shoots or floats.
Sporting Goods Store coverageTile Contractor
Tile, terrazzo, marble, and mosaic: completed-operations on a wet floor, a materials floater, and a license bond.
Tile Contractor coverageTitle Search
Abstract and title-search offices: professional liability, cyber on closing files, and a small office package.
Title Search coverageTravel Agency
Agencies and advisors: professional liability on the itinerary, cyber on passport files, and a small office package.
Travel Agency coverageVeterinarian
Clinic property, animal bailee, professional, and the equipment that is not a dental chair.
Veterinarian coverageWarehousing and Storage
Warehouse legal liability, the building, the lift trucks, and goods that are not yours.
Warehousing and Storage coverageWinery and Brewery
Production, barrel and tank inventory, tasting-room liquor, and a commercial farm or manufacturing chassis — not a bar policy.
Winery and Brewery coverageAdditional contractor classes
Kept for accounts we already write. Not featured in navigation or on the homepage.
Excavation Contractor
Underground GL, rented equipment, pollution, and a honest conversation about depth and utilities.
Excavation Contractor coverageHighway Construction
Road and infrastructure contractors: GL, auto, equipment, and a multi-state WC/stop-gap file — not a light artisan package.
Highway Construction coverage