The Commercial
Playbook.

One person. One truck. One customer who decides to sue you. A single GL policy is often the only thing standing between your business and your personal assets. If your business and your personal finances are connected — coverage isn't optional, it's the whole game.

General contractors, electricians, plumbers, roofers, HVAC — if you're on a job site, you have liability exposure every single day. Add workers comp, commercial auto, equipment floaters, and builders risk for active projects. The right coverage means a bad day on a job stays a bad day — not a business-ending event.

Storefronts, restaurants, salons, gyms, repair shops — you have customers walking through your door, inventory on your shelves, and equipment you can't operate without. A Business Owner's Policy (BOP) bundles property and liability into one package designed for exactly this. It's where most retail and service businesses should start.

Consultants, accountants, attorneys, engineers, architects, marketing agencies, IT firms — your work product is your liability. Professional liability (E&O) covers you when a client claims your advice, design, or work caused them financial harm. GL covers slip-and-falls. E&O covers the lawsuit that comes three months after you delivered the project.

Equipment breakdowns, product liability, workers comp for a physical workforce, commercial auto for deliveries, and inland marine for materials in transit. Manufacturing operations have more coverage categories than almost any other business type — and more ways to be surprised at claim time if the policy isn't built right.

Trucking, delivery, distribution, field service fleets — if your business runs on wheels, your insurance needs to run with it. Commercial auto and fleet coverage, motor carrier liability, cargo insurance, and hired & non-owned auto for when employees use their own vehicles. One accident in an uninsured commercial vehicle is a catastrophic loss.

Grain elevators, co-ops, equipment dealers, feedlots, trucking, feed mills, agritourism businesses — the commercial side of agriculture is a distinct insurance category. These operations need farm coverage and commercial coverage, and the line between them matters at claim time. We know where that line is.

Churches, charities, associations, clubs, and community organizations have unique coverage needs that standard commercial policies don't address. Directors and officers liability (D&O), volunteers as additional insureds, event liability, and special events coverage are all distinct considerations. You're doing good work — protect it.

Single-family rentals, multi-unit buildings, commercial leases — landlord insurance is not homeowners insurance with a different name. It's a distinct policy built for properties you don't live in. It covers the structure, lost rental income when a covered loss forces tenants out, and liability for injuries on the property. Tenant's belongings are their problem. Your building and your income stream are yours.

Restaurants have more coverage categories than almost any other small business — and more ways to be underinsured. Liquor liability if you serve alcohol. Food contamination coverage if you have a spoilage event. Equipment breakdown for when the walk-in fails on a Friday night. Workers comp for a kitchen crew with a high injury rate. Slip-and-fall GL exposure from wet floors and tight quarters. Fire. Hood suppression. We cover it all.

GC malpractice — sometimes called contractors professional liability — covers claims that your design, project management, or supervisory work caused financial harm, separate from physical property damage GL covers. If you're a GC who manages subcontractors, provides design-build services, or gives construction advice that a client claims cost them money, standard GL doesn't respond. Contractors professional does. As design-build and integrated project delivery grow, this gap is appearing on more job sites than ever.

Cities, counties, townships, school districts, utilities, and other public entities have unique liability exposures that private commercial policies don't cover. Public officials liability, law enforcement liability, public entity GL, and government property coverage are each distinct products designed for the specific risks of public operations. Section 1983 civil rights claims, employment practices in public employment, and inverse condemnation are the kinds of exposures that make public entity insurance its own specialty. We work in this space.

Surety bonds aren't insurance — they're a financial guarantee that a third party (the surety) makes to protect the project owner if you fail to perform. We help businesses establish and grow their bonding capacity across every bond type: performance and payment bonds for public construction, license and permit bonds required for contractor licensing in any of our states, court and fiduciary bonds, fidelity bonds for employee dishonesty, and customs bonds for importers. If someone is asking you for a bond and you're not sure what that means — start here.