Commercial and Business Insurance can be very complicated; especially when working with business and auto insurance, new ventures and start-ups, high-risk exposures, or businesses with uncommon attributes or characteristics. To add to these complications, most agents and brokers have little or no knowledge of insurance laws, coverage changes, or available markets for anything beyond traditional home and auto insurance.  They also generally lack any real-world ‘hands-on’ experience working in any industry outside of insurance and financial services.

As a professional brokerage with years of first-hand experience and knowledge in a broad array of industries, we specialize in commercial and business insurance of all types and we have numerous markets and A-rated insurance carriers providing all types of commercial coverages.  Below is just a small sampling of the many policies and coverage types that we offer.

1. Business-Owner Policies (BOPs)
2. Worker’s Compensation / Non-Subscription Agreements
3. Commercial and Business Auto Insurance
4. Employment Practices Liability Insurance (EPLI)
5. Commercial Property and Liability (all types)
6. Commercial Real Estate Investors
7. General Liability
8. Pollution Liability
9. Professional Liability (Errors and Omissions)
10. Liquor Liability and Restaurant Insurance
11. Long-Haul Trucking
12. Bonding and Surety
13. Vacant Property
14. Inland Marine
15. Much More…

A few of the industries and specific insurance risks that we commonly work with include:

1. Technology Companies – Including E&O, Breach of Security, and Data Loss
2. Wineries and Craft Breweries – Vendor’s Liability, Liquor Liability, Retail Sales, Special Events
3. Bars, Nightclubs, and Taverns – High-Volume Alcohol Sales, Live Entertainment, Dancing
4. Restaurants - Fast Food, Delivery, Formal Dining, Catering
5. Construction - General Contractors and Artisan Trades
6. Manufacturing – Electronics, Metalworks, Fabrication, High-Tech
7. Shooting Ranges & Tactical Training – Military, Recreation
8. Child Day Care - Abuse & Molestation, After-School Care
9. Private Schools - After School Programs, Enrichment Programs, Tutoring & Testing Centers
10. Commercial Property – Shopping Centers, Lessor’s Risk
11. R.E. Investments - Rental Portfolios
12. Habitational - Apartments (inc. older units), Student Housing
13. Bed & Breakfasts – Including Innkeeper’s Liability & Personal Property Coverage
14. Hotels & Motels – All Sizes With or Without Common Amenities (Pools, Playgrounds)

We are experts at insuring commercial and business risks and we will gladly spend time consulting with you about your own unique situation in order to properly protect your investment and livelihood.