Whether you're a sole proprietor working out of your truck or a multi-state operation with a hundred employees — if you have a business, you have risk. The question is whether you've thought about it before something goes wrong or after. We prefer before.
From LLC to enterprise. Independent agency. Hundreds of carriers.The LLC you registered last Tuesday. The family business on its third generation. The company with 200 employees that hasn't looked at its policy since it was issued. All of you. Every industry. Every size. No business is too small to get sued, and no business is too large to be underinsured.
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.
BOP · General Liability · Tools & EquipmentGeneral 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.
GL · Workers Comp · Builders Risk · BondsStorefronts, 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.
BOP · EPLI · Business Interruption · Liquor LiabilityConsultants, 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.
E&O · GL · Cyber · EPLIEquipment 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.
Product Liability · Equipment Breakdown · Inland Marine · WCTrucking, 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.
Commercial Auto · Motor Carrier · Cargo · Non-Owned AutoGrain 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.
Grain Elevator · Co-op Liability · Ag Commercial · ProductChurches, 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.
D&O · GL · Special Events · Volunteer CoverageSingle-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.
Dwelling Fire · Landlord Liability · Loss of Rents · UmbrellaRestaurants 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.
Liquor Liability · Food Contamination · Equipment Breakdown · WCGC 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.
Contractors Professional · GL · WC · Builders Risk · BondsCities, 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.
Public Officials Liability · Public Entity GL · Employment PracticesSurety 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.
Performance · Payment · License & Permit · Fidelity · CourtWorkers comp rates, regulatory requirements, litigation climate, industry mix — commercial insurance isn't one-size-fits-all and it's definitely not one-state-fits-all. Click your state to see what actually matters where you operate.
Iowa's commercial landscape is dominated by agriculture-adjacent industries — grain handling, equipment, processing, transportation — plus a strong manufacturing base and growing tech/professional services sector. Workers comp is required for one or more employees, administered through a state-regulated system. Iowa has no state income tax on business but does have meaningful personal liability exposure for LLC owners that makes solid commercial coverage essential. Contractors doing work on public projects need to comply with Iowa's bonding and licensing requirements, which vary by trade.
Iowa contractors working on projects over $25,000 for state or local government typically need a performance bond and payment bond. If you're bidding public work, get your bonding capacity established before you need it — not the day before the bid deadline.
Nebraska's commercial base is anchored in agriculture and food processing — cattle, hogs, grain handling, feedlots, and processing facilities — but Omaha and Lincoln have built a substantial financial services, healthcare, and professional services sector. Workers comp is required for one or more employees. Nebraska has a unique state-administered workers comp system with specific requirements for employer reporting and coverage proof. Contractors and construction firms operate in a competitive market where having solid GL and bonding in place is a basic expectation.
Nebraska has a bifurcated workers comp system — most employers use private carriers, but some industries have specific state fund options. Misclassifying employees as independent contractors to avoid WC is one of the most common and most expensive mistakes Nebraska employers make. If you're doing it, stop. We can help you structure it correctly.
Kansas has one of the most diverse commercial economies in the Midwest — agriculture, aviation and aerospace manufacturing (Wichita is the "Air Capital of the World"), transportation and logistics, and a significant oil and gas sector. Workers comp is required for one or more employees in most industries, with specific exemptions for certain agricultural workers. The oil and gas sector creates distinct liability exposures that require specialty coverage most general commercial policies don't address. Severe weather — tornadoes, hail — is a primary driver of commercial property losses in Kansas.
Kansas has some of the highest commercial property insurance rates in the Midwest due to severe hail and tornado frequency. Make sure your commercial property policy has hail and wind coverage at replacement cost — and that the replacement cost limit was updated recently. Material and labor costs have climbed, and many Kansas businesses are carrying limits from 2018 on buildings that would cost significantly more to replace today.
Montana has a unique workers compensation landscape: the state operates the Montana State Fund, which competes with private carriers and is the insurer of last resort. Most employers can choose between the state fund and private carriers — but they must have coverage. Montana's economy is driven by agriculture, tourism, natural resources, construction, and a growing small business service sector. Remote geography means equipment breakdowns, medical transport for injured workers, and business interruption from weather events carry higher costs than they would in more populated states.
Montana requires workers compensation for virtually all employers — including agricultural operations that employ non-family workers, which is stricter than most states. Independent contractor misclassification is heavily audited. If you're operating in Montana and have any uncertainty about who needs to be covered under your WC policy, call us before the audit finds out first.
Minnesota has a robust regulatory environment and one of the most active workers comp systems in the region — with mandatory open rating and a competitive private market. The state's economy spans manufacturing, healthcare, financial services, retail, food processing, and a thriving tech sector anchored around the Twin Cities. Minnesota also has strong EPLI exposure — employment practices liability claims are more common here than in most neighboring states, driven by an active plaintiff's bar and strong employee protection laws. Minimum wage and paid leave requirements are some of the highest in the country.
Employment Practices Liability Insurance (EPLI) covers claims from employees alleging discrimination, harassment, wrongful termination, and wage violations. Minnesota employers face above-average EPLI exposure due to strong state employment laws. If you have more than 5 employees and don't have EPLI, that's a coverage conversation we should have.
North Carolina has been one of the top business relocation destinations in the country for five consecutive years, driving rapid growth in commercial construction, logistics, technology, and healthcare. Workers comp is required for employers with three or more employees — a lower threshold than many assume. The Research Triangle anchors a major professional and tech services sector. Charlotte is a major financial hub. And the coastline creates hurricane and wind exposure that affects commercial property throughout the eastern half of the state.
Commercial property in eastern North Carolina requires careful attention to wind and hurricane deductibles — these are often separate from the standard property deductible and can be substantial (1–5% of building value). If your commercial property is east of I-95 in North Carolina, make sure you know your wind deductible before hurricane season, not during it.
Florida's commercial insurance market is genuinely difficult right now. Hurricane and named storm exposure has driven multiple carrier exits, significant premium increases, and tighter underwriting across commercial property, contractors, and coastal businesses. Workers comp in Florida is among the strictest in the country — construction employers must cover anyone with one or more employees, and most employers must cover anyone with four or more. Florida also has an unusually active litigation environment for commercial liability claims. We won't sugarcoat it — Florida is hard. But we have the carrier relationships to find real coverage for Florida businesses, and we know the market.
We're not going to pretend Florida commercial insurance is easy or cheap right now — it isn't. What we will tell you is that we have carrier relationships that many agencies don't, and we understand Florida's market well enough to structure coverage that holds up. If you're a Florida business owner who's been told "we can't help you" — that's a call worth making to us.
Nine coverage categories. Click any one to see what it actually covers, what it doesn't, what questions to ask at renewal, and where most businesses get surprised. We're going to be straight with you — because the surprises at claim time are the ones that hurt.
General liability is the bedrock of commercial insurance. It covers your business for bodily injury and property damage you cause to third parties — a customer who slips and falls, a contractor who damages a client's property, a product that injures someone. It also covers personal and advertising injury, which includes libel, slander, and copyright infringement claims.
If a client, customer, vendor, or stranger can point at your business and say "they did this to me" — GL is what responds. Without it, the response comes out of your business assets, your personal assets, or both.
Most small businesses carry $1M per occurrence / $2M aggregate GL limits because that's what's offered at the cheapest price. In today's litigation environment — especially in Florida, Minnesota, and North Carolina — that may not be enough for a serious claim. Ask us if your limits match your actual exposure.
Sources: SBA Business Insurance Guide ↗
Commercial property covers your building (if you own it), your business personal property (equipment, inventory, furniture, fixtures), and in many cases your income if the property becomes unusable due to a covered loss. It's one of the most undervalued coverages in commercial insurance — until the roof comes off.
Commercial property values have increased dramatically since 2020. Labor costs up 30–40%. Material costs up 20–40%. Many businesses are insuring their building at its 2018 reconstruction cost, which bears no resemblance to what it would actually cost to rebuild today. At claim time, that gap comes out of your pocket. Review your property limits — we can run a replacement cost estimate.
Workers compensation covers your employees for work-related injuries and illnesses — medical treatment, lost wages, and in serious cases, disability and death benefits. In return, employees generally give up the right to sue you for those injuries. It's a mandatory coverage in virtually every state we operate in — the thresholds vary by state, but the requirement is consistent.
Beyond legal compliance, WC has a direct bottom-line impact. Premium is driven by your experience modification factor (ex-mod) — a multiplier based on your claims history relative to your industry. A good safety program and claims management keeps your ex-mod below 1.0. A bad claims year can push it above 1.0 and follow you for three years.
Sources: BLS Occupational Safety Data ↗
Sixty percent of businesses that suffer a significant cyber incident close within six months. That's not a scare tactic — it's what happens when a ransomware attack locks your systems, a data breach exposes your customers' information, and you're facing breach notification requirements, legal fees, regulatory fines, and three weeks of downtime, all at the same time.
Cyber coverage used to be optional. It isn't anymore. If you process credit cards, store customer data, operate on a network, or use email for business — you have cyber exposure. The question is whether you've transferred any of that risk or you're holding it yourself.
43% of cyberattacks target small businesses — not because they're interesting, but because they're easier. Your GL policy almost certainly does not cover cyber losses. Your commercial property policy almost certainly does not cover cyber losses. Without a standalone cyber policy, you are self-insuring for this risk. Most businesses discover this for the first time after an incident.
Sources: NAIC Cyber Risk ↗
A Business Owner's Policy bundles general liability and commercial property into one package — and typically includes business interruption (BI) coverage, which replaces your income if a covered loss forces you to temporarily close or relocate. It's designed for small to midsize businesses and is usually cheaper than buying the components separately.
Business interruption is the coverage most business owners forget about until they need it. If a fire guts your building and you can't operate for three months, BI covers your lost revenue and your continuing expenses (rent, payroll, utilities) during that time. Without it, you're funding your own recovery while revenue is at zero.
Personal auto policies do not cover vehicles used for business purposes. If an employee is driving a company vehicle — or their own vehicle for business purposes — and causes an accident, your business has liability exposure. Commercial auto handles the vehicle side; hired and non-owned auto (HNOA) handles the "my employee drove their own car for me and hit someone" side.
If your employees ever drive their personal vehicles for business purposes — deliveries, client visits, running errands — your business has liability exposure when they're behind the wheel. Their personal auto policy may deny the claim if the vehicle was being used for commercial purposes. Hired and non-owned auto coverage closes this gap for usually less than $500/year. If you don't have it, that's a conversation we need to have.
Errors and omissions coverage (E&O), also called professional liability, covers claims that your professional services caused a client financial harm — even if you did everything right. A client who loses money and believes your advice, design, or work was the cause can and will sue. GL doesn't cover this. E&O does.
This is the coverage that consultants, accountants, architects, engineers, IT professionals, real estate agents, and anyone else who gets paid for expertise or advice needs. The claim doesn't have to have merit to cost you money — legal defense alone can run six figures before a case is ever resolved.
A surety bond is not insurance — it's a financial guarantee. When you get bonded, a surety company guarantees to the project owner (the obligee) that you (the principal) will fulfill your contractual obligations. If you don't, the surety pays the obligee and then comes after you for reimbursement. It protects the client, not you — but having bonding capacity is often required to win contracts.
Bonding capacity is based on your financial statements, credit, and track record. The time to establish bonding capacity is before you need it for a bid — not the week of. We can help you understand where you stand and what it would take to qualify for the bond amounts you need to grow.
A commercial umbrella extends your liability limits above your primary policies — GL, commercial auto, and employers liability. When a claim exhausts your primary policy limits, the umbrella kicks in. In today's litigation environment, a $1M GL limit can be exhausted by a single serious injury claim. A commercial umbrella adds $1M, $2M, $5M, or more of additional coverage for a fraction of the cost of increasing primary limits.
The standard $1M GL limit made sense in 2005. Jury awards, medical costs, and legal fees have climbed significantly since then. A serious injury on your premises, a fleet accident, or a large product liability claim can easily exceed $1M. A commercial umbrella adds $2M–$5M for often $500–$2,000/year. It's one of the best values in commercial insurance.
Renewals, audits, compliance deadlines — the commercial insurance calendar is full of dates that cost you money if you miss them. Know them. Or let us keep track of them for you.
New business. Growing business. Business that hasn't looked at its insurance in four years and is hoping for the best. All welcome. The more context you give us, the faster we can come back with something useful.
We'll be in touch quickly — usually same day. We don't sell your info. Ever.
Important Notice
Submitting this form does not bind, confirm, alter, or create any insurance coverage. No coverage of any kind exists until a policy has been formally issued by a licensed carrier and you have received written confirmation. This form is for inquiry purposes only.
Coverage availability, premiums, and terms are subject to carrier underwriting, your specific risk profile, and applicable state regulations. Bradley Insurance Solutions, LLC is a licensed independent insurance agency.
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