Our Solutions
Commercial insurance products tailored to protect your business.
Tools and Equipment Insurance for Contractors
Tools and equipment insurance for contractors and trades. Why property cover stops at your front door, scheduled against blanket, and how to get quoted.
Product Liability Insurance for Manufacturers & Retailers
Product liability insurance for manufacturers, importers, distributors and retailers. The three kinds of defect, how liability follows the chain, and how to get quoted.
Liquor Liability Insurance for Bars & Restaurants
Liquor liability insurance for US bars, restaurants, breweries and caterers. How dram shop law works, and the two form questions that decide what you recover.
Commercial Umbrella Insurance for Businesses
Commercial umbrella insurance for US businesses. How excess limits attach above your primary policies, umbrella against excess liability, and how to get quoted.
Business Owners Policy (BOP Insurance)
Business owners policy cover for US small and mid-market operations. What the bundle includes, the exclusions that catch people, and the day you outgrow it.
Certificate of Insurance (COI)
What a certificate of insurance proves, what each field on the ACORD 25 form carries, and why a contract asking for additional insured status needs a policy endorsement.
Business Interruption Insurance for US Businesses
Business interruption insurance for US businesses. How the waiting period and restoration period decide the claim, what triggers cover, and how to get quoted.
General Liability Insurance for US Businesses
General liability insurance for US businesses. What the policy pays for, the exposures it hands to another policy, and how to get quoted.
Directors and Officers Insurance
D&O insurance for US boards, startups and nonprofits. What Side A, B and C each do, and which one answers when the company cannot indemnify.
Cyber Liability Insurance for Business
Cyber liability insurance for US businesses that hold data. What first-party and third-party cover pay for, the social engineering sub-limit, and how to get quoted.
Workers Compensation Insurance for US Businesses
Workers compensation insurance for US businesses. What Part A and Part B cover, how the premium formula works, which states change the rule, and how to get placed.
Professional Liability Insurance for US Businesses
Professional liability and errors and omissions cover for US businesses. How claims-made works, why the retroactive date decides everything, and how to get quoted.
Commercial Property Insurance for US Businesses
Commercial property insurance for US businesses. Named perils against open perils, actual cash value against replacement cost, coinsurance, and how to get quoted.
Business Insurance for Small Businesses
Business insurance is a stack, not a policy. Which two or three a US business actually starts with, what each one answers, and what the law requires.