Commercial Coverage Built for Small Business

Protects your business against third-party claims of bodily injury, property damage, and advertising injury. Whether a customer slips on your premises or you're named in a lawsuit, general liability keeps your business financially protected.

• Bodily injury & property damage
• Personal & advertising injury
• Medical payments
• Legal defense costs

Covers your physical business assets — buildings, equipment, inventory, and furnishings — against fire, theft, vandalism, and other covered perils. Whether you own or lease your space, commercial property coverage keeps your operations running after a loss.

• Building & structure coverage
• Business equipment & inventory
• Loss of business income
• Equipment breakdown

Provides medical benefits and wage replacement to employees injured on the job. Workers' comp protects both your employees and your business from the financial impact of workplace injuries — and keeps you compliant with state requirements.

• Medical expense coverage
• Lost wage replacement
• Employer liability protection
• State compliance support

Covers vehicles used for business purposes — from a single delivery van to an entire fleet. Commercial auto insurance provides liability protection and physical damage coverage that personal auto policies typically exclude for business use.

• Liability for business vehicles
• Collision & comprehensive
• Hired & non-owned auto
• Fleet coverage available

Protects your business from claims of negligence, errors, or omissions in the professional services you provide. If a client alleges your advice or work caused them financial harm, professional liability covers your legal defense and any resulting settlements.

• Errors & omissions coverage
• Negligence claims defense
• Client dispute protection
• Covers past & current work

A Business Owner's Policy (BOP) combines general liability and commercial property insurance into a single, cost-effective package. Ideal for small to mid-size businesses, a BOP simplifies your coverage and often costs less than purchasing each policy separately.

• General liability included
• Commercial property included
• Business interruption coverage
• Customizable add-ons

Provides an additional layer of liability coverage above the limits of your underlying policies. When a major claim exceeds your general liability or commercial auto limits, umbrella insurance steps in to cover the gap — protecting your business assets from catastrophic losses.

• Excess liability coverage
• Covers multiple underlying policies
• Protection from large judgments
• Cost-effective high-limit coverage