Businesses We Serve
Deep vertical expertise across 600+ industries, organized by category. Find yours and see the risks and coverages that matter.
Construction & Trades 57
Glazier & Glass Contractor Insurance
Glazier and glass contractor insurance protects window, storefront, and curtain-wall installers from at-height falls, plate-glass…
Contractor Business Insurance
Contractor business insurance protects construction companies and trades from job site injuries, property damage, equipment loss,…
General Contractor Insurance
General contractor insurance covers vicarious liability for subcontractors, construction-defect claims, and the risk-transfer…
Electrician Insurance
Electrician insurance covers the fire, electrocution, and faulty-wiring claims electrical contractors face — including…
Plumber Insurance
Plumber insurance covers the water-damage and pollution claims plumbing contractors face — from slow hidden leaks and slab leaks…
HVAC Contractor Insurance
HVAC contractor insurance covers the carbon-monoxide, refrigerant, and rigging exposures the trade faces — including CO and…
Roofer Insurance
Roofer insurance covers the falls, hot-work fire, and water-intrusion exposures of one of the hardest trades to insure — placed…
Painter Insurance
Painter insurance covers the overspray, VOC and pollution, and lead-paint (RRP) exposures painting contractors face — the claims…
Concrete Contractor Insurance
Concrete contractor insurance covers the rip-out-and-repour, pump-truck, silica, and washout exposures of concrete work —…
Masonry Contractor Insurance
Masonry contractor insurance covers the scaffolding falls, falling-debris, silica, and veneer water-intrusion exposures of brick,…
Carpenter Insurance
Carpenter insurance covers framing and finish carpentry — structural completed-operations failures, nail-gun and saw injuries,…
Drywall Contractor Insurance
Drywall contractor insurance covers the dust, damage-to-finished-work, and completed-operations exposures of hanging and…
Flooring Contractor Insurance
Flooring contractor insurance covers moisture and subfloor failures, finish fires and fumes, high-value materials, and damage to…
Landscaping Business Insurance
Landscaping insurance covers struck underground utilities, retaining-wall and drainage completed-operations failures, equipment…
Lawn Care Business Insurance
Lawn care insurance covers thrown-debris property damage and injury, turf chemical and fertilizer application pollution…
Tree Service & Arborist Business Insurance
Tree service insurance covers struck-by and falling-limb losses, felled-tree property damage, climbing and aerial-lift falls,…
Pressure Washing Business Insurance
Pressure washing insurance covers overspray and high-pressure surface damage, slip-and-fall on wet surfaces, and wastewater…
Janitorial Business Insurance
Janitorial insurance covers the slip-and-fall hazards cleaning crews create, damage to client property and finishes, key-holding…
Locksmith Business Insurance
Locksmith insurance covers faulty lock and safe work under professional liability, bailee exposure for keys and access, lockout…
Pest Control Business Insurance
Pest control insurance covers pesticide and pollution liability for misapplication and drift, termite and WDO re-inspection E&O,…
Handyman Insurance
Handyman insurance covers the broad multi-trade exposure of small repair and installation work — faulty-workmanship and…
Solar Installer Insurance
Solar installer insurance covers the long completed-operations tail unique to solar — roof-penetration leaks and electrical fires…
Fencing Contractor Insurance
Fencing contractor insurance covers the signature underground-utility-strike exposure from digging post holes, boundary disputes,…
Excavation Contractor Insurance
Excavation contractor insurance covers the XCU exposure — explosion, collapse, and underground damage — that standard general…
Paving & Asphalt Contractor Insurance
Paving and asphalt contractor insurance covers hot-asphalt burns and active work-zone crashes, heavy mobile equipment and fleet…
Fire Protection Contractor Insurance
Fire protection contractor insurance covers the life-safety catastrophe of a sprinkler system that fails to operate in a fire,…
Restoration & Remediation Contractor Insurance
Restoration and remediation contractor insurance covers the mold and pollution liability GL excludes, care-custody of the…
Demolition Contractor Insurance
Demolition contractor insurance covers the XCU exposure — explosion, collapse, and underground — that GL carves out, plus…
Welding Contractor Insurance
Welding contractor insurance covers the signature hot-work fire exposure that follows the trade to customers' premises,…
Sign Company Insurance
Sign company insurance covers installation at height and falling-sign completed operations, the electrical exposure of…
Appliance Repair Insurance
Appliance repair insurance covers in-home property damage and the completed-operations water, gas, and fire tail when a repaired…
Garage Door Installer Insurance
Garage door installer insurance covers the catastrophic high-tension spring exposure to installers and customers,…
Swimming Pool Contractor Insurance
Swimming pool contractor insurance covers the attractive-nuisance and drowning liability that attaches to a pool you built or…
Insulation Contractor Insurance
Insulation contractor insurance covers the spray-foam chemical exposure and off-gassing pollution CGL excludes, fire and…
Siding Contractor Insurance
Siding contractor insurance covers the latent water-intrusion completed-operations losses that surface years after install,…
Framing Contractor Insurance
Framing contractor insurance covers the high-severity fall-from-height and structural completed-operations exposure that makes…
Gutter Installer Insurance
Gutter installer insurance covers the ladder and fall-from-height exposure of eave work, water-diversion faulty-workmanship…
Residential Cleaning & Maid Service Insurance
Residential cleaning and maid service insurance covers the care-custody-and-control of the client's home and belongings, lost-key…
Carpet & Upholstery Cleaning Insurance
Carpet and upholstery cleaning insurance covers water and moisture damage to the customer's floors and subfloor, completed-work…
Window Cleaning Insurance
Window cleaning insurance covers the fall-from-height and dropped-object exposure that defines the trade, the scaffold and…
Chimney Sweep Insurance
Chimney sweep insurance covers the delayed missed-defect completed-operations tail when a chimney fire or CO event follows a…
Countertop & Stone Fabricator Insurance
Countertop and stone fabricator insurance covers the respirable-silica occupational-disease exposure driving silicosis…
Elevator Contractor Insurance
Elevator contractor insurance covers the catastrophic bodily-injury exposure of installing, servicing, and maintaining elevators…
Security Alarm Installation & Monitoring Insurance
Security alarm installation and monitoring insurance covers the errors-and-omissions exposure when a system fails to detect or…
Snow Removal & Plowing Insurance
Snow removal and plowing insurance covers the slip-and-fall liability that defines the trade, the hold-harmless and…
Telecom & Fiber Installation Insurance
Telecom, cable, and fiber installer insurance covers the underground-utility-strike exposure of boring and trenching, aerial and…
Crane & Rigging Insurance
Crane and rigging insurance covers the catastrophic bodily-injury and property-damage severity of lifting operations, riggers and…
Scaffolding Contractor Insurance
Scaffolding contractor insurance covers the fall and collapse severity of erecting, renting, and dismantling scaffold,…
Steel Erection & Ironworker Contractor Insurance
Steel erection and ironworker contractor insurance for structural steel, rebar, and metal-building crews — the high-hazard…
Abatement Contractor Insurance
Abatement contractor insurance covers the pollution and bodily-injury exposure of asbestos, lead, and mold removal, contractors…
Utility & Underground Contractor Insurance
Utility and underground contractor insurance covers the buried-utility-strike exposure of installing water, sewer, and gas lines,…
Power-Line & Electrical Utility Contractor Insurance
Power-line contractor insurance covers the high-voltage electrocution and wildfire exposure of building and maintaining…
Waterproofing Contractor Insurance
Waterproofing contractor insurance covers the completed-operations and callback exposure of failed waterproofing — water…
Fireproofing & Firestopping Contractor Insurance
Fireproofing and firestopping contractor insurance covers the life-safety completed-operations exposure of passive fire…
Well Drilling Contractor Insurance
Well drilling contractor insurance covers the subsurface risks of water-well work — struck utilities, contaminated aquifers, dry…
Structured Cabling & Low-Voltage Contractor Insurance
Structured cabling and low-voltage contractor insurance covers the completed-operations and technology E&O exposure of data,…
Dredging & Marine Construction Insurance
Dredging and marine construction insurance covers the maritime exposures of waterfront work — Jones Act and USL&H crew, hull on…
Real Estate & Property 20
Student Housing Insurance
Student housing insurance protects purpose-built and off-campus student properties from assault, liquor, fire, and…
Real Estate Business Insurance
Real estate business insurance spans the whole sector — brokerages, agents, property managers, appraisers, developers, and title…
Real Estate Brokerage Insurance
Real estate brokerage insurance covers firm-wide E&O and vicarious liability for the entire agent roster, closing wire-fraud and…
Real Estate Agent Insurance
Real estate agent and team insurance covers individual E&O for your own acts beyond the brokerage's policy, closing wire-fraud…
Property Management Business Insurance
Property Management Business Insurance that protects your company against tenant liability, professional errors, and property…
Apartment Building Business Insurance
Apartment building business insurance covers habitational premises liability at scale, the assault and negligent-security…
Residential Rental Property Insurance
Residential rental property insurance for owners of single-family, duplex, triplex, and quadplex rentals — the landlord,…
Lessor's Risk Insurance
Lessor's risk (LRO) insurance covers the owner who leases commercial, retail, or office space to tenants — premises liability for…
Lessor's Risk Insurance for Sober Living & Group Home Rentals
Lessor's risk insurance for owners who rent a home to a sober living, group home, halfway house, transitional, or…
Homeowners Association (HOA) Insurance
HOA insurance protects homeowners associations and their volunteer boards from common-area liability, governance lawsuits, and…
Condo Association Insurance
Condo association insurance protects the building through the master policy, the board through D&O, and the reserves through…
Airbnb & Short-Term Rental Business Insurance
Airbnb & Short-Term Rental business Insurance protecting your property against guest injuries, property damage, theft, and income…
Self-Storage Facility Insurance
Self-storage facility insurance covers customers'-goods legal liability and lien-sale exposure the care-custody exclusion leaves…
Title Agency Insurance
Title agency insurance covers the escrow and closing exposure that defines the class — search-and-closing E&O, escrow-defalcation…
Mortgage Broker Insurance
Mortgage broker insurance covers loan-origination E&O and the heavy regulatory-compliance exposure of TILA, RESPA, and TRID, plus…
Coworking Space Insurance
Coworking space insurance covers premises liability across a dense shared space full of member businesses and their guests, the…
Mobile Home Park Insurance
Mobile home park insurance covers premises liability over commonly owned grounds, roads, and utilities while the operator does…
House Flipping & Real Estate Investor Insurance
House flipping and fix-and-flip investor insurance covers the vacant, under-renovation property standard homeowners and landlord…
Property Preservation & Mortgage Field Services Insurance
Property preservation insurance covers the wrongful-entry and property-damage exposure of securing and maintaining foreclosed and…
Real Estate Developer Insurance
Real estate developer insurance covers companies that develop ground-up and major projects — built around construction-defect and…
Senior Care & Residential 14
Homeless & Emergency Shelter Insurance
Homeless and emergency shelter insurance protects overnight, congregate crisis shelters from abuse, negligent-security,…
Nursing Home Insurance
Nursing home insurance protects skilled nursing facilities from malpractice, abuse, falls, and wrongful-death claims in one of…
Assisted Living Facility Insurance
Assisted living facility insurance protects large, purpose-built senior communities and memory care from falls, abuse, and…
Assisted Living Home Insurance
Assisted living home insurance protects small residential care and board-and-care homes from falls, medication errors, abuse, and…
Independent Living Home Insurance
Independent living home insurance protects senior communities from common-area, shuttle, and food-related liability that a…
Memory Care Facility Insurance
Memory care facility insurance for secured dementia and Alzheimer's communities — the professional liability, abuse and…
Continuing Care Retirement Community (CCRC) Insurance
Continuing care retirement community insurance for life-plan campuses that combine independent living, assisted living, memory…
Group Home Insurance
Group home insurance covers I/DD and behavioral-health residences for abuse and molestation, professional resident-care…
Sober Living Home Insurance
Sober living home insurance protects recovery residences from overdose, abuse, and negligent-supervision claims that a landlord…
Halfway House Insurance
Halfway house insurance protects transitional and reentry housing from supervision, abuse, and wrongful-death claims that a…
Transitional Housing Insurance
Transitional housing insurance protects supportive, bridge-housing programs — serving people experiencing homelessness,…
Boarding & Rooming House Insurance
Boarding and rooming house insurance protects room-by-room rentals and SRO properties from fire, liability, and habitability…
Home Health Aide Business Insurance
Home Health Aide business Insurance protecting your caregiving business against patient injury claims, professional liability,…
Adult Day Care Center Insurance
Adult day care center insurance covers adult day services and adult day health programs — built around professional and general…
Healthcare & Wellness 74
Speech-Language Pathology Insurance
Speech-language pathology insurance protects speech therapy private practices, pediatric clinics, school-contracted SLPs, and…
Audiology & Hearing Aid Insurance
Audiology and hearing aid insurance protects audiologists, hearing clinics, and dispensers from malpractice, products liability,…
Healthcare Business Insurance
Healthcare business insurance protects medical practices, clinics, and healthcare providers from malpractice claims, professional…
Medical Clinic Insurance
Medical clinic insurance covers malpractice, HIPAA and cyber breach, and billing-regulatory exposure for physician and group…
Pain Management Clinic Insurance
Pain management clinic insurance for interventional and medication-based pain practices — the medical professional liability,…
Blood & Plasma Donation Center Insurance
Blood and plasma donation center insurance for collection facilities — the professional and products liability a donor injury or…
Urgent Care Insurance
Urgent care insurance covers the missed-diagnosis malpractice, on-site x-ray and lab, HIPAA, and equipment exposures of walk-in…
Chiropractor Insurance
Chiropractor insurance covers spinal-manipulation injury, informed-consent and failure-to-refer claims, and abuse allegations —…
Physical Therapy Insurance
Physical therapy insurance covers treatment-injury and patient-fall malpractice, modality burns, dry-needling and direct-access…
Occupational Therapy Insurance
Occupational therapy insurance covers patient-handling and fall malpractice, abuse allegations from hands-on care, and the mobile…
Mental Health & Counseling Insurance
Counseling and therapy insurance covers the non-bodily-injury claims that define the field — suicide and duty-to-warn, boundary…
Optometry Insurance
Optometry insurance covers missed-diagnosis malpractice, eyewear product liability, and high-value diagnostic equipment — the…
Podiatrist Insurance
Podiatrist insurance covers foot-and-ankle surgery and diabetic wound-care malpractice, HIPAA and billing exposure, and the…
Acupuncture Insurance
Acupuncture insurance covers needle-injury malpractice (pneumothorax, nerve injury), moxibustion and cupping burns, herbal…
Allergist Insurance
Allergist insurance covers the defining exposure of an allergy and immunology practice — in-office anaphylaxis from allergy…
Obstetrician Insurance
Obstetrician insurance covers the highest-severity malpractice exposure in medicine — birth injury, fetal-distress, and…
Gynecologist Insurance
Gynecologist insurance covers the surgical and missed-cancer-diagnosis malpractice that defines women's-health practice, plus the…
Oncologist Insurance
Oncologist insurance covers chemotherapy dosing and administration errors, missed or delayed cancer diagnosis, informed-consent…
Hematologist Insurance
Hematologist insurance covers anticoagulation-management errors, transfusion reactions, missed blood-cancer diagnosis,…
Orthopedic Surgeon Insurance
Orthopedic surgeon insurance covers the surgical malpractice that drives this high-severity specialty — wrong-site surgery, nerve…
Ophthalmologist Insurance
Ophthalmologist insurance covers the surgical vision-loss and missed-diagnosis malpractice that defines eye surgery — cataract…
Laser Eye Surgery Center Insurance
Laser eye surgery center insurance covers the refractive-surgery vision-loss, results-dissatisfaction, and high-value laser…
Neurologist Insurance
Neurologist insurance covers missed or delayed stroke, misread neuroimaging, failure to diagnose serious neurological disease,…
Cardiologist Insurance
Cardiologist insurance covers missed or delayed heart attack, cath-lab and interventional procedure complications, stress-test…
Ear, Nose & Throat (ENT) Insurance
ENT insurance covers the surgical and diagnostic malpractice exposure of otolaryngology practices — airway and sinus surgery,…
Endocrinologist Insurance
Endocrinologist insurance covers the medication-management and diagnostic malpractice exposure of a hormone and metabolic…
Gastroenterologist Insurance
Gastroenterologist insurance covers the endoscopy and diagnostic malpractice exposure of a GI practice — scope perforations and…
Geriatric Specialist Insurance
Geriatric specialist insurance covers the polypharmacy, fall, pressure-injury, and capacity-and-consent malpractice of elder-care…
Osteopath Insurance
Osteopath insurance covers the full physician malpractice exposure of a Doctor of Osteopathic Medicine plus the hands-on injury…
Pediatrician Insurance
Pediatrician insurance covers the failure-to-diagnose, weight-based dosing, vaccine, and newborn malpractice of children's…
Pulmonologist Insurance
Pulmonologist insurance covers the critical-care and diagnostic malpractice exposure of a pulmonary practice — ICU and ventilator…
Urologist Insurance
Urologist insurance covers the surgical, cancer-diagnosis, and procedural malpractice of urology — robotic prostatectomy and…
Dietitian & Nutritionist Insurance
Dietitian and nutritionist insurance covers advice-based professional liability, scope-of-practice and licensing exposure,…
Dental Office Business Insurance
Dental office insurance covers the malpractice exposures that define the practice — missed oral cancer, extraction and implant…
Pharmacy Business Insurance
Pharmacy insurance covers the dispensing-error professional liability that defines the trade, plus product, cold-chain spoilage,…
Veterinary Business Insurance
Veterinary insurance covers the professional liability of a misdiagnosis or surgical loss, animal-bailee exposure for patients in…
Medical Spa Insurance
Medical spa insurance covers the treatment injuries a day-spa or beauty policy excludes — laser burns, filler and Botox…
Medical Laboratory Insurance
Medical laboratory insurance covers diagnostic-error and specimen-handling professional liability, CLIA and HIPAA exposure,…
Hospice Insurance
Hospice insurance covers end-of-life care professional liability, Medicare regulatory and billing exposure, abuse and neglect…
Non-Emergency Medical Transport (NEMT) Insurance
NEMT insurance covers the passenger-auto exposure and high contract limits that define the work, abuse and molestation risk in…
Home Healthcare Agency Insurance
Home healthcare agency insurance covers professional liability for care delivered in patients' homes, abuse and molestation…
Behavioral Health & Addiction Treatment Insurance
Behavioral health and addiction treatment center insurance covers professional liability plus the high-severity patient-harm and…
Applied Behavior Analysis (ABA) Insurance
ABA therapy insurance for applied behavior analysis practices — covering abuse and molestation, professional liability for BCBA…
Ambulatory Surgery Center Insurance
Ambulatory surgery center insurance covers dual-layer facility and vicarious-credentialing malpractice, anesthesia and…
Dermatology & Plastic Surgery Insurance
Dermatology and plastic surgery insurance covers the elective-cosmetic malpractice profile — dissatisfaction and disfigurement…
Plastic Surgery & Cosmetic Surgery Center Insurance
Plastic surgery and cosmetic surgery center insurance covers the high-severity surgical malpractice, anesthesia,…
Body Contouring & Body Sculpting Clinic Insurance
Body contouring and sculpting clinic insurance covers the burn, frostbite, nerve-injury, paradoxical-adipose-hyperplasia,…
IV Hydration & Wellness Clinic Insurance
IV hydration and wellness clinic insurance covers the medical malpractice of administering IV therapy outside a hospital,…
Functional & Integrative Medicine Insurance
Functional and integrative medicine insurance covers the professional-liability, off-label-therapy, in-house supplement and…
Ketamine & Psychedelic-Assisted Therapy Clinic Insurance
Ketamine and psychedelic-assisted therapy clinic insurance covers the controlled-substance, mental-health malpractice, and…
Regenerative Medicine Clinic Insurance
Regenerative medicine clinic insurance covers the FDA-enforcement, unapproved-biologics, injection-infection, and health-claim…
Hormone Optimization & TRT Clinic Insurance
Hormone optimization and TRT clinic insurance covers the controlled-substance, cardiovascular-risk malpractice,…
Hyperbaric Oxygen Therapy (HBOT) Center Insurance
Hyperbaric oxygen therapy center insurance covers the oxygen fire-and-explosion property hazard, off-label-use malpractice, and…
Cryotherapy & Recovery Studio Insurance
Cryotherapy and recovery studio insurance covers the frostbite, nitrogen-asphyxiation, cold-shock, and burn bodily-injury…
Colon Hydrotherapy Center Insurance
Colon hydrotherapy center insurance covers the bodily-injury, bowel-perforation, infection, professional-liability, and…
Ayurvedic Wellness Center Insurance
Ayurvedic wellness center insurance covers the alternative-treatment professional liability, herbal-supplement product liability,…
Infrared Sauna Studio Insurance
Infrared sauna studio insurance covers the heat-injury, fainting, dehydration, burn, and contraindication exposures of infrared…
Lymphatic Drainage & Post-Operative Massage Insurance
Lymphatic drainage and post-operative massage insurance covers the professional-liability, contraindication, post-surgical…
Detoxification Spa Insurance
Detoxification spa insurance covers the broad bodily-injury, product-liability, and health-claim exposures of detox businesses…
Direct Primary Care & Concierge Medicine Insurance
Direct primary care and concierge medicine insurance covers the malpractice, expanded-access, membership-model regulatory, and…
Sleep Center Insurance
Sleep center insurance covers the overnight patient-monitoring, diagnostic malpractice, DME, and HIPAA exposures of sleep clinics…
Float Therapy Center Insurance
Float therapy center insurance covers the drowning, water-sanitation and infection, slip-and-fall, and panic-episode exposures of…
Weight-Loss Clinic Insurance
Weight-loss clinic insurance covers the medical malpractice of prescribing GLP-1 and other weight-loss drugs, compounded-drug…
Durable Medical Equipment Supplier Insurance
Durable medical equipment supplier insurance covers product liability on devices that fail in patients' homes, professional…
Birth Center & Midwife Insurance
Birth center and midwife insurance covers catastrophic, long-tail birth-injury malpractice severity, the transfer-to-hospital and…
Imaging & Radiology Center Insurance
Imaging and radiology center insurance covers the missed-read malpractice that defines diagnostic radiology, contrast-reaction…
Telehealth & Telemedicine Insurance
Telehealth and telemedicine insurance covers multi-state medical malpractice for care delivered remotely, cyber and HIPAA…
Dental Laboratory Insurance
Dental laboratory insurance covers the dental lab that fabricates crowns, bridges, dentures, and implants for dentists — built…
Fertility & IVF Clinic Insurance
Fertility and IVF clinic insurance covers reproductive-medicine practices and embryo labs — built around high-severity medical…
Dialysis Center Insurance
Dialysis center insurance covers outpatient dialysis and ESRD facilities — built around specialized medical malpractice for…
Compounding Pharmacy Insurance
Compounding pharmacy insurance covers products and sterility/contamination exposure on custom preparations, pharmacist…
Home Infusion Therapy Insurance
Home infusion therapy insurance covers clinical professional liability for infusion and line errors, compounded-infusion products…
Optical Shop & Optician Insurance
Optical shop and optician insurance covers dispensing and contact-lens fitting errors, eyewear product liability, high-value…
Orthotics & Prosthetics Insurance
Orthotics and prosthetics insurance covers the blended professional and device exposure of fitting and fabricating limbs and…
Food & Beverage 20
Boba & Bubble Tea Shop Insurance
Boba and bubble tea shop insurance protects quick-serve tea businesses from the burns, choking and allergen product claims,…
Deli & Sandwich Shop Insurance
Deli and sandwich shop insurance protects a hybrid food-and-grocery operation from the foodborne-illness, spoilage,…
Coffee Roaster Insurance
Coffee roaster insurance protects a light-manufacturing and wholesale operation from the roaster-fire, chaff,…
Restaurant Business Insurance
Restaurant business insurance protects bars, cafes, and food service businesses from liability claims, liquor exposure, equipment…
Bakery Insurance
Bakery insurance covers allergen mislabeling and product recall, oven fire and combustible flour-dust hazards, equipment…
Coffee Shop & Café Insurance
Coffee shop and café insurance covers hot-liquid burn claims, high-traffic slips, espresso-equipment breakdown and dairy…
Juice Bar & Smoothie Shop Insurance
Juice bar and smoothie shop insurance covers raw-produce and unpasteurized-juice illness under juice HACCP rules, supplement and…
Ice Cream & Frozen Dessert Shop Insurance
Ice cream and frozen dessert shop insurance covers refrigeration spoilage and equipment breakdown of frozen inventory, dairy…
Butcher Shop & Meat Market Insurance
Butcher shop and meat market insurance covers raw-meat foodborne illness and recall, refrigeration spoilage and equipment…
Catering Business Insurance
Catering insurance covers off-premise foodborne-illness and liquor liability, equipment in transit and setup at client venues,…
Personal Chef Insurance
Personal chef insurance covers in-home foodborne-illness and allergen professional liability, damage to a client's kitchen the…
Food Truck Business Insurance
Food truck insurance covers mobile commercial auto, propane and grease cooking fires, foodborne-illness liability, and the…
Ice Cream Truck Business Insurance
Ice cream truck insurance centers on the child-pedestrian struck-by exposure, plus commercial auto, product and allergen…
Bartender Business Insurance
Bartender insurance explains why a paid bartender needs true liquor liability rather than host-liquor coverage, alongside…
Distillery Insurance
Distillery insurance covers the fire, aging-barrel, and liquor exposures spirits producers face — with stock valued at selling…
Vending Machine Business Insurance
Vending machine insurance covers foodborne liability from vended products, machine tip-over injury, theft of and damage to…
Brewery Insurance
Brewery insurance covers taproom liquor liability and on-site injury, product contamination and recall from the packaging line,…
Winery Insurance
Winery insurance covers the vineyard crop and wildfire smoke-taint exposure, years of high-value aging wine inventory,…
Ghost Kitchen & Commissary Insurance
Ghost kitchen and commissary insurance covers the fire and foodborne-illness exposure of delivery-only and shared commercial…
Meal Prep & Meal Kit Delivery Insurance
Meal prep and meal kit delivery insurance covers the foodborne-illness, cold-chain, allergen-mislabeling, and last-mile delivery…
Hospitality, Lodging & Events 21
Hookah & Cigar Lounge Insurance
Hookah and cigar lounge insurance protects on-premises smoking venues from the fire, liquor-liability, assault, and…
Hospitality Business Insurance
Hospitality business insurance protects hotels, motels, and venues from guest injuries, liquor liability, property damage, and…
Hotel & Motel Insurance
Hotel and motel insurance covers guest-injury and inadequate-security liability, assault & battery, liquor, cyber and PCI, and…
Bed & Breakfast Insurance
Bed and breakfast insurance covers the hybrid home-and-business gap a homeowners policy won't — guest injury, food service,…
Vacation & Short-Term Rental Insurance
Short-term rental insurance covers the business-use gap a homeowners or landlord policy excludes for Airbnb and VRBO hosts, guest…
RV Park & Campground Insurance
RV park and campground insurance covers large open-premises liability across acreage, recreational hazards like pools and…
Bar & Tavern Insurance
Bar and tavern insurance covers liquor liability and dram-shop exposure plus the assault & battery carve-outs that catch bars —…
Glamping Insurance
Glamping insurance covers the remote-location guest injury, unique-structure property, wildlife and terrain, and activity…
Cannabis Consumption Lounge Insurance
Cannabis consumption lounge insurance covers the on-site impairment and over-consumption liability, indoor air and ventilation,…
Cat Café & Animal Café Insurance
Cat café and animal café insurance covers the dual exposure of animal-to-patron injury and zoonotic disease alongside…
Nightclub Business Insurance
Nightclub insurance centers on assault & battery and liquor liability — the high-severity exposures crowds, intoxication, and…
Event Venue Insurance
Event venue insurance covers guest-injury and liquor exposure, contractual risk transfer across caterers and vendors, and event…
Wedding Venue Insurance
Wedding venue insurance covers host and liquor liability on alcohol-heavy celebrations, event cancellation and weather on a…
Event & Wedding Planner Insurance
Event and wedding planner insurance covers professional liability for a coordination failure with no injury, general liability…
Party & Event Rental Insurance
Party and event rental insurance covers product and completed-operations injury on inflatables and equipment used by the public…
Golf Course & Country Club Insurance
Golf course and country club insurance covers the breadth of a multi-business operation — errant-ball and golf-cart liability,…
Hostel Insurance
Hostel insurance protects budget and dormitory-style lodging from guest injury, assault & battery, liquor, and guest-property…
Community Center Insurance
Community center insurance centers on third-party rental risk transfer, pool, gym, and playground premises hazards, youth-program…
Youth Camp Insurance
Youth camp insurance centers on abuse and molestation written claims-made with a retroactive date, aquatics drowning risk, trip…
Casino & Card Room Insurance
Casino and card room insurance covers the crime and cash exposure of a gaming floor, liquor and assault liability, high-value…
Event Production & AV Staging Insurance
Event production and AV staging insurance covers rigging and structure collapse, high-value owned and rented AV equipment,…
Beauty & Personal Care 13
Recovery & Wellness Studio Insurance
Recovery and wellness studio insurance protects cryotherapy, float-tank, infrared-sauna, and red-light studios from the…
Permanent Makeup & Microblading Insurance
Permanent makeup and microblading insurance protects cosmetic tattoo artists — brows, lip blush, eyeliner, SMP, and paramedical…
Hair Salon Insurance
Hair salon insurance covers the chemical-service exposure that defines the trade — color and bleach burns, dye allergic…
Barber Shop Insurance
Barber shop insurance covers the razor-cut and bloodborne-pathogen exposure that defines the trade, tool-borne skin infections,…
Nail Salon Insurance
Nail salon insurance covers the chemical and infection exposures — footbath infections, chemical burns, and treatment claims —…
Esthetician & Skincare Insurance
Esthetician insurance covers treatment liability for facials, chemical peels, and dermaplaning — burns, scarring, and infection —…
Eyelash Extension Insurance
Eyelash extension and lash studio insurance covers the eye-area professional liability that defines the trade — adhesive burns,…
Waxing Salon Insurance
Waxing salon insurance covers the hot-wax burn and skin-lifting claims that define the trade — including retinoid-related tearing…
Tanning Salon Insurance
Tanning salon insurance covers UV burn and eye injury, long-tail skin-cancer claims, tanning-bed equipment breakdown and fire,…
Spa & Massage Therapy Business Insurance
Spa & Massage Therapy Business Insurance protecting your practice against liability claims, client injuries, and professional…
Massage Therapist Insurance
Massage therapist insurance covers bodywork malpractice and abuse allegations — with the up-front defense and mobile coverage a…
Tattoo & Piercing Shop Business Insurance
Tattoo & Piercing Shop Business Insurance that protects your studio against liability claims, infection allegations, and…
Cosmetology & Beauty School Insurance
Cosmetology and beauty school insurance covers student-clinic professional liability when a student burns or injures a paying…
Fitness & Recreation 32
Haunted House & Seasonal Attraction Insurance
Haunted house and seasonal attraction insurance protects scare houses, haunted trails, corn mazes, and holiday attractions from…
Boxing & Kickboxing Gym Insurance
Boxing and kickboxing gym insurance protects striking and sparring programs from participant head-injury, concussion,…
Shooting Range & Indoor Gun Range Insurance
Shooting range insurance protects indoor and outdoor live-fire ranges — lane rental, training, retail gun and ammo sales, and…
Paintball & Airsoft Field Insurance
Paintball and airsoft field insurance protects fields, arenas, and courses — rental markers, birthday groups, and minors — from…
Zipline & Aerial Adventure Park Insurance
Zipline and aerial adventure park insurance protects canopy tours, ropes courses, and via ferrata from the catastrophic fall,…
Gym and Fitness Studio Insurance
Gym and fitness studio insurance protects owners and trainers from injury claims, equipment damage, liability lawsuits, and…
CrossFit & Functional Fitness Insurance
CrossFit and functional-fitness gym insurance covers high-intensity injury and coaching liability, rhabdomyolysis, and the…
Yoga Studio Insurance
Yoga studio insurance covers instruction and hands-on-adjustment injury, hot-yoga heat illness, abuse allegations, and the…
Pilates Studio Insurance
Pilates studio insurance covers reformer and apparatus equipment injury, high-value equipment on an inland-marine form, and the…
Personal Trainer Business Insurance
Personal Trainer business Insurance protecting your fitness business against client injury claims, professional liability, and…
Martial Arts Studio Business Insurance
Martial Arts Studio Business Insurance protecting your studio against student injury claims, professional liability, and property…
Dance Studio Insurance
Dance studio insurance covers the abuse and duty-of-care exposure of a mostly-minor clientele, participant and recital injury,…
Climbing Gym Insurance
Climbing gym insurance covers fall injury across bouldering, roped, and auto-belay climbing — with the participant liability…
Trampoline Park Insurance
Trampoline park insurance covers the high-frequency, high-severity injury of a mostly-minor attraction — with the participant…
Sports League and Team Insurance
Sports league and Team insurance protects teams, associations, and organizers from injury claims, liability lawsuits, abuse…
Gymnastics & Cheer Gym Insurance
Gymnastics and cheer gym insurance covers catastrophic participant injury on apparatus and stunts that standard liability…
Swim School Insurance
Swim school insurance covers the catastrophic drowning and near-drowning exposure pleaded as failure to instruct or supervise,…
Bowling Alley & Family Entertainment Center Insurance
Bowling alley and family entertainment center insurance covers the breadth of a multi-attraction public venue — high-traffic…
Escape Room Insurance
Escape room insurance covers the life-safety and egress exposure of a confined, dim, puzzle-locked space, participant injury…
Axe Throwing Insurance
Axe throwing venue insurance covers participant and bystander injury from thrown blades and ricochets, the liquor liability that…
Family Entertainment Center Insurance
Family entertainment center and arcade insurance covers the aggregated participant-injury exposure of many attractions under one…
Rage Room & Smash Room Insurance
Rage room and smash room insurance covers the flying-debris, impact-injury, tool, and altercation exposures of break-room…
VR & Immersive Experience Center Insurance
VR and immersive experience center insurance covers the collision and disorientation injury, high-value equipment, hygiene, and…
Skating Rink Insurance
Skating rink insurance covers the high-frequency participant falls and collisions that define roller and ice skating,…
Circus Insurance
Circus insurance covers catastrophic performer-act injury and mass spectator injury under a temporary big-top, the participant…
Hunting & Fishing Outfitter Insurance
Hunting and fishing outfitter insurance covers guided-trip participant injury, firearms and ATV exposure, lodge and premises…
Rafting & Charter-Boat Outfitter Insurance
Rafting and charter-boat outfitter insurance covers the drowning and watercraft exposure of guided river and ocean trips,…
Race Track Facility Insurance
Race track facility insurance covers the participant and spectator injury of motorsports and racing events, the waivers and…
Amusement Park Insurance
Amusement park insurance covers the ride-injury and crowd exposure of parks and attractions, product and maintenance liability on…
Pickleball & Racquet Club Insurance
Pickleball and racquet club insurance covers participant and spectator injury, court premises exposure, coaching liability,…
Indoor Golf & Simulator Insurance
Indoor golf and simulator insurance covers struck-by injury in close-quarters bays, liquor liability at bar-and-lounge venues,…
Inflatable & Bounce-House Rental Insurance
Inflatable and bounce-house rental insurance covers catastrophic participant injury, wind uplift and anchor failure, drop-off…
Automotive & Transportation 41
Repossession Agency Insurance
Repossession agency insurance protects vehicle recovery firms from wrongful-repossession, breach-of-peace, conversion, and…
School Bus Contractor Insurance
School bus contractor insurance protects private pupil-transportation companies from high-limit auto liability, abuse and…
Auto Repair Shop Insurance
Auto repair shop insurance protects mechanics and garages from liability claims, customer vehicle damage, tool loss, and property…
Auto Body & Collision Repair Insurance
Auto body shop insurance covers paint-booth fire, VOC and solvent pollution, garagekeepers on high-value vehicles, and…
Truck Repair Shop Insurance
Truck repair shop insurance covers garagekeepers on high-value trucks and trailers, catastrophic completed-operations from…
Car Dealership Insurance
Car dealership insurance protects auto dealers from liability claims, inventory damage, garage risks, and customer injuries that…
Rental Car Business Insurance
Rental car business insurance covers the exposures a car rental operator actually faces — a fleet of vehicles driven by the…
Powersports Dealership Insurance
Powersports dealership insurance covers test-ride and product liability on high-injury vehicles, dealers open-lot for seasonal…
Tire Shop Insurance
Tire shop insurance covers faulty-installation completed operations (a wheel off at speed), garagekeepers for cars in the bay,…
Oil Change & Lube Shop Insurance
Oil change and lube shop insurance covers faulty-service completed operations (engine damage), garagekeepers, pit and lift…
Auto Glass & Windshield Insurance
Auto glass insurance covers faulty-installation and ADAS-calibration completed operations — a windshield is a structural safety…
Auto Detailing Insurance
Auto detailing insurance covers garagekeepers for customers' vehicles, chemical and buffer damage to paint and interiors,…
Car Wash Insurance
Car wash insurance covers vehicle damage in the wash (garagekeepers), equipment breakdown of conveyors and pumps, wet-surface…
Towing Company Insurance
Towing company insurance covers on-hook and garagekeepers for customers' vehicles, high commercial-auto and roadside struck-by…
Trucking Company Insurance
Trucking company insurance protects motor carriers, owner operators, and fleets from liability claims, cargo loss, physical…
Freight Broker Insurance
Freight broker insurance protects brokers and forwarders from liability claims, contingent cargo losses, errors and omissions,…
Delivery Service Insurance
Last-mile delivery and DSP insurance covers high-frequency commercial-auto, hired-and-non-owned auto for driver vehicles, cargo…
Courier Business Insurance
Courier business Insurance protecting your business against vehicle accidents, cargo loss, and delivery liability claims. Cover…
Taxi Insurance
Taxi insurance covers high-frequency commercial-auto and passenger liability, uninsured-motorist and assault exposure, and the…
Livery Business Insurance
Livery business Insurance that protects your luxury transportation business against passenger liability, vehicle accidents, and…
Limo & Charter Bus Insurance
Limo and charter bus insurance covers high passenger-liability limits (FMCSA $1.5M/$5M), liquor liability for on-board alcohol,…
Hot Shot Trucking Insurance
Hot shot trucking insurance for expedited haulers running one-ton and medium-duty trucks with gooseneck and flatbed trailers —…
Dump Truck & Aggregate Hauling Insurance
Dump truck and aggregate hauling insurance for haulers of sand, gravel, dirt, asphalt, and debris — the auto liability, overturn…
Pilot Car Business Insurance
Pilot Car business Insurance protecting your escort operation against vehicle accidents, third-party liability, and property…
Moving Company Business Insurance
Moving Company Business Insurance protecting your business against cargo damage, vehicle accidents, and employee injury claims.…
Mobile Mechanic Insurance
Mobile mechanic insurance covers care-custody of the customer's vehicle off-site where shop garagekeepers won't follow, the…
RV Dealer Insurance
RV dealer insurance covers dealers-open-lot physical damage on high-value units exposed to catastrophic hail, test-drive…
Boat & Marine Dealer Insurance
Boat and marine dealer insurance covers the on-water sea-trial and demo liability garage forms exclude, dealers-inventory…
Auto Window Tint Insurance
Auto window tint insurance covers garagekeepers for the high-value vehicles in your bay, the workmanship-redo and illegal-tint…
Parking Lot & Garage Insurance
Parking lot and garage insurance covers premises and negligent-security liability across structures the public crosses, the…
Valet Parking Insurance
Valet parking insurance covers garagekeepers for customers' vehicles in your care, the auto liability of valets driving customer…
Auto Parts Store Insurance
Auto parts store insurance covers products liability on a safety-critical part that fails in a customer's vehicle,…
Transportation Network Company Insurance
Transportation Network Company (TNC) insurance covers the rideshare gaps personal auto leaves open — from the low-limit 'app-on,…
Delivery Network Company Insurance
Delivery Network Company (DNC) insurance covers the gaps gig delivery leaves open — where personal auto excludes the trip,…
Marina & Boat Storage Insurance
Marina and boat storage insurance covers care-custody-and-control of customers' boats, marina operators legal liability and…
Ambulance & EMS Insurance
Ambulance and EMS insurance covers emergency-vehicle auto liability, professional (medical malpractice) liability for patient…
EV Charging Station Insurance
EV charging station insurance covers the premises and product exposure of operating public chargers, electrical fire and…
Driving School Insurance
Driving school insurance covers the dual-control instruction auto exposure of student drivers, professional liability for…
CDL & Truck Driving School Insurance
CDL truck driving school insurance covers the heavy-vehicle instruction auto exposure of training commercial drivers,…
Auto Salvage & Dismantler Insurance
Auto salvage and dismantler insurance covers the pollution exposure of draining and storing wrecked vehicles, fire on a vehicle…
Charter Bus & Motorcoach Insurance
Charter bus and motorcoach insurance covers passenger carriers operating coaches and buses — built around high-limit commercial…
Retail & Consumer 86
Thrift & Consignment Store Insurance
Thrift and consignment store insurance protects resale shops selling donated and consigned second-hand goods from…
Game & Hobby Store Insurance
Game and hobby store insurance protects card, comic, tabletop, and collectibles shops with in-store play and tournaments from the…
Pool & Spa Supply Store Insurance
Pool and spa supply store insurance protects chemical-selling retailers from products liability, fire and reaction, pollution,…
Appliance Store Insurance
Appliance store insurance protects retailers that deliver and install major appliances from installation, completed-operations,…
Bridal & Formalwear Shop Insurance
Bridal and formalwear shop insurance protects boutiques selling and renting gowns, tuxedos, and formalwear — covering high-value…
Dog Trainer & Obedience School Insurance
Dog trainer and obedience school insurance protects group classes, private lessons, and board-and-train programs from dog-bite,…
Beauty Supply Store Insurance
Beauty supply store insurance protects retailers of hair, wigs, cosmetics, and salon products from product-liability,…
Mattress Store Insurance
Mattress store insurance protects bedding retailers from the products-liability, flammability, high fire-load inventory, and…
Retail Store Business Insurance
Retail store business insurance protects shops from customer injuries, theft, property damage, and liability claims while…
Convenience Store Insurance
Convenience store insurance covers robbery and crime, fuel and underground-tank pollution, off-premise liquor and tobacco sales,…
Dollar & Variety Store Insurance
Dollar and variety store insurance covers the packed-aisle slip-and-fall, high-volume imported-product liability, shrink, and…
Department Store Insurance
Department store insurance covers the escalator-and-elevator injury, parking-lot, multi-category product liability, large…
Home Improvement Store Insurance
Home improvement store insurance covers broad product liability on tools and ladders, paint-and-chemical fire and pollution,…
Cell Phone Store Insurance
Cell phone store insurance covers the high-value small-inventory theft, device-data privacy, lithium-battery fire, and…
Camera & Photography Store Insurance
Camera and photography store insurance covers high-value small-electronics theft, bailee exposure for rental and consigned gear…
Office Supply & Stationery Store Insurance
Office supply and stationery store insurance covers the furniture-and-heavy-item delivery, in-store print and copy services,…
Lighting Store Insurance
Lighting store insurance covers the electrical-fire product liability of the fixtures and lamps you sell, the high-value fragile…
Flooring & Tile Store Insurance
Flooring and tile store insurance covers the heavy-material handling, forklift and loading injuries, showroom slips, deliveries,…
Kitchenware & Housewares Store Insurance
Kitchenware and housewares store insurance covers the product liability of the knives, cookware, and small appliances you sell,…
Bed, Bath & Linens Store Insurance
Bed, bath and linens store insurance covers the textile-flammability product liability of the bedding and mattresses you sell,…
Plumbing & Bath Fixtures Store Insurance
Plumbing and bath fixtures store insurance covers the water-damage product liability of the faucets, valves, and water heaters…
Party Supply & Balloon Store Insurance
Party supply and balloon store insurance covers the helium compressed-gas handling, latex-allergy and flammable-decoration…
Seasonal & Holiday Store Insurance
Seasonal and holiday store insurance covers the short-term lease, inventory-spike, seasonal-staff, and fire exposures of a pop-up…
Fuel & Propane Dealer Insurance
Fuel and propane dealer insurance covers the flammable bulk storage, hazmat delivery, spill and pollution, and customer-site tank…
Precious Metals & Coin Dealer Insurance
Precious metals and coin dealer insurance covers the high-value theft, armed robbery, cash-handling, buying-from-the-public, and…
Aircraft Dealer Insurance
Aircraft dealer insurance covers the demonstration-flight, aircraft products-and-completed-operations, hangarkeepers, and…
Mobile Home Dealer Insurance
Mobile home dealer insurance covers the open-lot inventory, oversize transport, on-site setup and installation, and…
Tractor & Outdoor Power Equipment Dealer Insurance
Tractor and outdoor power equipment dealer insurance covers the product-liability, demo, in-shop service, and faulty-repair…
Ship Chandler & Marine Supply Insurance
Ship chandler and marine supply insurance covers the flammable stock, over-water premises, vessel deliveries, and marine-safety…
Aquarium & Tropical Fish Store Insurance
Aquarium and tropical fish store insurance covers the live-stock mortality, the thousands of gallons of water overhead, and the…
Restaurant & Foodservice Equipment & Supply Insurance
Insurance for restaurant and foodservice equipment and supply dealers covers the installation and completed-operations exposure,…
Water Treatment Equipment Store Insurance
Water treatment equipment store insurance covers the installation water-damage, contamination, and completed-operations exposure…
Specialty & Gourmet Food Store Insurance
Specialty and gourmet food store insurance covers the foodborne-illness and allergen product liability, refrigeration spoilage,…
Donut & Bagel Shop Insurance
Donut and bagel shop insurance covers the fryer-fire and burn exposure, foodborne-illness and allergen liability, and early-hours…
Snack Bar & Concession Insurance
Snack bar and concession insurance covers the foodborne-illness, fryer-fire, and customer-injury exposures of fast food service —…
Vitamin & Supplement Store Insurance
Vitamin and supplement store insurance covers the product-liability exposure a standard retail policy often excludes — adverse…
Candle Store Insurance
Candle store insurance covers the fire exposure that defines the class — burning testers on the sales floor and the product…
Collectibles & Memorabilia Store Insurance
Collectibles and memorabilia store insurance covers the high-value and often irreplaceable inventory, consignment and customer…
Trading Card Shop Insurance
Trading card shop insurance covers the high-value theft, authenticity, consignment, and card-break exposures of a sports-card and…
Religious Goods & Church Supply Store Insurance
Religious goods and church supply store insurance covers general-merchandise retail with a few twists — imported-goods product…
Frame Shop & Art Store Insurance
Frame shop and art store insurance covers the exposure that defines the trade — valuable, often irreplaceable customer artwork in…
Cabinet Store Insurance
Cabinet store insurance protects showrooms and cabinet dealers from customer injury, heavy display tip-over, product and delivery…
Uniform Store Insurance
Uniform store insurance protects uniform and workwear retailers from customer injury, inventory and theft loss, product…
T-Shirt & Custom Apparel Shop Insurance
T-shirt and custom apparel shop insurance covers the signature exposures of screen printing and heat pressing —…
Children's & Infant Store Insurance
Children's and infant store insurance covers the most scrutinized products in retail — cribs, car seats, toys, and strollers…
Maternity Store Insurance
Maternity store insurance protects maternity and nursing-apparel retailers from customer injury, seasonal inventory and theft…
Luggage Store Insurance
Luggage store insurance protects luggage and travel-goods retailers from customer injury, inventory and theft loss, product…
Grocery Store Insurance
Grocery store insurance covers high-traffic slip-and-fall liability, foodborne-illness and recall exposure, large refrigeration…
Liquor Store Insurance
Liquor store insurance covers off-premise liquor liability and sale-to-minor exposure, high-value stock theft and robbery, glass…
Clothing Boutique Insurance
Clothing boutique insurance covers slip-and-fall and fitting-room injuries, seasonal high-value inventory and theft, product…
Furniture Store Insurance
Furniture store insurance covers delivery and in-home installation exposure, hired-and-non-owned auto, high-value bulky…
Florist Insurance
Florist insurance covers delivery and hired-and-non-owned auto, refrigeration spoilage and equipment breakdown, event and venue…
Hardware Store Insurance
Hardware store insurance covers broad product liability, propane refill and hazardous-materials fire, lumber-yard and forklift…
Garden Center & Nursery Insurance
Garden center and nursery insurance covers living-plant spoilage, pesticide pollution, toxic-plant product liability, and the…
Pet Store Insurance
Pet store insurance covers live-animal mortality, zoonotic-disease and bite liability, pet-food recall product exposure, and…
Sporting Goods Store Insurance
Sporting goods store insurance covers equipment product liability, firearms and FFL exposure, seasonal high-value inventory, and…
Electronics Store Insurance
Electronics store insurance covers lithium-battery fire and product liability, bailee coverage for customer devices in repair,…
Vape & Smoke Shop Insurance
Vape and smoke shop insurance covers lithium-battery and e-liquid product liability, age-restricted sale exposure, fire and…
E-Commerce Business Insurance
E-Commerce Business Insurance that protects your online store against product liability, cyber risks, and shipping disputes. Sell…
Subscription Box Company Insurance
Subscription box company insurance covers the multi-product liability, fulfillment, recurring-billing dispute, and cyber…
Jewelry Store Business Insurance
Jewelry Store Business Insurance protecting your inventory, showroom, and transactions against theft, liability, and property…
Pawn Store Business Insurance
Pawn Store Business Insurance that protects your inventory, transactions, and business against theft, liability claims, and…
Pet Grooming Business Insurance
Pet Grooming Business Insurance that protects your salon against pet injury claims, property damage, and employee injuries. Keep…
Mobile Pet Grooming Insurance
Mobile pet grooming insurance covers animal-in-care injury and professional liability, the grooming van and its equipment, auto…
Pet Cremation & Aquamation Insurance
Pet cremation insurance covers the wrong-remains and commingling professional-liability exposure, cremation-equipment fire risk,…
Pet Boarding & Daycare Insurance
Pet boarding and daycare insurance covers the animal-bailee exposure general liability excludes — injury, illness, escape, or…
Gun Store & Firearms Dealer Insurance
Gun store and firearms dealer insurance covers firearms products and sale-related liability, high-value theft-prone inventory…
Gas Station Insurance
Gas station insurance covers the underground storage tank and fuel pollution exposure standard policies exclude and federal law…
Dog Walking & Pet Sitting Insurance
Dog walking and pet sitting insurance covers the animal bailee exposure when a pet in your care is injured, lost, or dies,…
Cell Phone & Electronics Repair Insurance
Cell phone and electronics repair insurance covers customers' devices damaged or lost in your care, the data privacy and breach…
Bike Shop Insurance
Bicycle shop insurance covers faulty-repair and assembly liability when a serviced bike fails at speed, rental-bike participant…
Bookstore Insurance
Bookstore insurance covers the combustible paper-inventory fire and business-income exposure that can wipe out a shop, cafe and…
Antique Store Insurance
Antique store insurance covers the valuation and replacement of unique, irreplaceable inventory standard forms underpay,…
Candy & Confectionery Store Insurance
Candy and confectionery store insurance covers food and allergen product liability from an undeclared allergen, hot-sugar burns…
Toy Store Insurance
Toy store insurance covers children's-product liability and recall when a defective or recalled toy injures a child and the…
Gift & Souvenir Shop Insurance
Gift and souvenir shop insurance covers peak-season inventory concentration a flat limit underinsures, care-custody of consigned…
Craft & Hobby Store Insurance
Craft, hobby, and art-supply store insurance covers the flammable-craft-chemical fire load and on-premises class participant…
Music Store Insurance
Music and musical instrument store insurance covers the stacked bailee, rental, and lessons exposures on high-value instruments —…
Paint & Wallpaper Store Insurance
Paint and wallpaper store insurance covers the flammable-liquid fire and environmental-spill exposure the CGL pollution exclusion…
Health Food Store Insurance
Health food store insurance covers the supplement and herbal product liability that standard BOPs often exclude, the…
Shoe Store Insurance
Shoe store insurance covers the fitting-area slip-and-fall exposure of assisted try-on, seasonal inventory concentration a flat…
Fabric Store Insurance
Fabric store insurance covers the heavy combustible-textile fire load and business-income exposure, on-premises sewing-class…
CBD & Hemp Store Insurance
CBD and hemp store insurance covers product liability on ingestible and topical CBD, mislabeling and health-claim exposure,…
Farm & Feed Supply Store Insurance
Farm and feed supply store insurance covers product liability on feed, chemicals, and animal-health products, fire and pollution…
Fireworks Retailer Insurance
Fireworks retailer insurance covers consumer-fireworks product liability, the catastrophic fire-and-explosion property exposure…
Building Supply & Lumberyard Insurance
Insurance for retail building-supply stores and lumberyards serving contractors and the public — built around a combustible…
Professional & Business Services 81
Professional Services Business Insurance
Professional services business insurance protects consultants, agencies, and advisors from liability claims, errors, negligence,…
Accounting & Bookkeeping Insurance
Accounting firm insurance covers E&O for tax and financial errors, cyber breach of client financial data, and the wire-fraud and…
Consulting Business Insurance
Consultant insurance covers E&O for advice that causes a client financial loss, contract and confidentiality exposure, and the…
Marketing Agency Insurance
Marketing agency insurance covers E&O and the media/advertising-injury exposure of published work — copyright and trademark…
Architects & Engineers Insurance
Architects and engineers insurance covers design-error professional liability — the high-severity, long-tail A&E exposure — plus…
Expert Witness Insurance
Expert witness insurance covers errors-and-omissions claims over opinions and testimony, including suits by the very party that…
Litigation Consultant Insurance
Litigation consultant insurance covers errors-and-omissions for trial strategy, jury consulting, and demonstratives, along with…
Forensic Investigator Insurance
Forensic investigator insurance covers the invasion-of-privacy, defamation, and surveillance exposures that define investigative…
Mediator Insurance
Mediator insurance covers errors-and-omissions for the neutral's conduct of a mediation — breach of confidentiality, coercion or…
Arbitrator Insurance
Arbitrator insurance covers the defense costs arbitral immunity does not — conflict-disclosure failures, evident-partiality and…
Paralegal Services Insurance
Paralegal services insurance covers the unauthorized-practice-of-law exposure of independent paralegals and legal-document…
Patent Agent Insurance
Patent agent insurance covers the errors-and-omissions exposure of USPTO-registered non-attorney agents — missed deadlines,…
Lobbyist Insurance
Lobbyist insurance covers the E&O, registration-and-compliance, and reputational exposure of government-relations firms — bad…
Handwriting Analyst Insurance
Handwriting analyst insurance covers the errors-and-omissions and courtroom-testimony exposure of forensic document examiners — a…
Personal Property Appraiser Insurance
Personal property appraiser insurance covers the valuation and authenticity errors of collectibles, antiques, jewelry, and…
Marine Surveyor & Appraiser Insurance
Marine surveyor insurance covers the errors-and-omissions exposure of vessel condition and valuation surveys — a missed defect or…
Advertising Agency Insurance
Advertising agency insurance covers the media and advertising liability at the heart of the work — copyright and trademark…
Public Relations & Communications Firm Insurance
PR firm insurance covers the defamation, privacy, and reputational exposures of public relations and communications work, plus…
Market Research Firm Insurance
Market research firm insurance covers E&O when flawed methodology or data leads a client to a bad decision, the privacy and TCPA…
Media Buyer Insurance
Media buyer insurance covers the E&O of planning and placing advertising — a misplaced buy, a blown flight date, or a budgeting…
Direct Mail Advertising Insurance
Direct mail advertising insurance covers the E&O of a misprinted, misaddressed, or mistimed campaign, the privacy exposure of…
Aerial Advertising Insurance
Aerial advertising insurance covers the aviation and drone liability at the center of banner-towing, skywriting, and aerial-sign…
Image Consultant Insurance
Image consultant insurance covers the E&O of personal-branding, styling, and etiquette advice a client blames for a lost…
Testing & Analytical Laboratory Insurance
Testing and analytical laboratory insurance covers the exposure that defines a non-medical lab — a wrong or missed result that…
Analytical Chemist Insurance
Analytical chemist insurance covers the errors-and-omissions exposure of chemical analysis and interpretation that clients rely…
Geologist Insurance
Geologist insurance covers the professional-liability exposure of geological, geotechnical, and environmental assessments that…
Meteorological Services Insurance
Meteorological services insurance covers the errors-and-omissions exposure of forecasts and weather data that aviation, energy,…
Research Organization Insurance
Research organization insurance covers the errors-and-omissions, data, and intellectual-property exposure of non-clinical…
Landscape Architect Insurance
Landscape architect insurance covers the design errors-and-omissions exposure of site planning, grading, and drainage work — the…
Product Design Firm Insurance
Product design firm insurance covers the exposure that defines the work — a design flaw that flows downstream into a manufactured…
Draftsman Insurance
Draftsman insurance covers the errors-and-omissions exposure of CAD and drafting services — a dimension or detail error that…
Business Broker & Valuation Insurance
Business broker and valuation insurance covers the errors-and-omissions exposure of selling companies and valuing them —…
Management Consultant Insurance
Management consultant insurance covers the errors-and-omissions exposure of strategy and operations advice — a recommendation…
Educational Consultant Insurance
Educational consultant insurance covers the errors-and-omissions exposure of admissions, academic, and special-education advising…
Agricultural Consultant Insurance
Agricultural consultant insurance covers E&O for agronomic advice a grower blames for crop loss, the pollution and chemical-drift…
Procurement Consultant Insurance
Procurement consultant insurance covers E&O for sourcing and supply-chain advice a client blames for a loss, the cost-savings…
Compensation & Benefits Consultant Insurance
Compensation and benefits consultant insurance covers E&O for plan-design and advisory errors, the ERISA fiduciary exposure that…
Security Consultant Insurance
Security consultant insurance covers E&O for an advisory security practice — risk assessments, system design, and protocols —…
Regulatory Consultant Insurance
Regulatory consultant insurance covers E&O for compliance and regulatory advice a client blames for a penalty, enforcement…
R&D Consultant Insurance
R&D consultant insurance covers E&O for research-and-development advice a client blames for a failed project, the…
Training & Development Consultant Insurance
Training and development consultant insurance covers E&O when a program fails to deliver or a compliance course misses a…
Vocational & Career Consultant Insurance
Vocational and career consultant insurance covers E&O when career advice, coaching, or placement guidance a client blames for a…
Audio/Visual Consultant Insurance
Audio/visual consultant insurance covers E&O for AV system design and specification advice — a design that underperforms, the…
Billing Service Insurance
Billing service insurance covers the non-medical billing, invoicing, and accounts-receivable firm — E&O for billing errors, cyber…
Sweepstakes & Contest Administrator Insurance
Sweepstakes and contest administrator insurance covers E&O for a promotion gone wrong — flawed official rules, a registration or…
Welcoming Service Insurance
Welcoming service insurance covers the 'welcome wagon' business that visits new residents and businesses — general liability and…
Construction Manager Insurance
Construction manager insurance turns on one fork: agency CM (CMa) is a professional-services E&O risk, while CM-at-risk (CMAR)…
Owner's Representative Insurance
Owner's representative insurance covers the owner-side proxy who oversees the whole project team across the full lifecycle —…
Construction Project Manager & Consultant Insurance
Insurance for construction project managers and consultants — PMs, CPM schedulers, cost estimators, project controls, and claims…
Safety Consultant Insurance
Insurance for safety consultants and EHS advisory firms — OSHA-compliance consultants, program writers, auditors, trainers,…
Safety Manager Insurance
Insurance for general-industry safety managers placed full-time inside a client's plant, warehouse, or facility — a…
Construction Safety Manager Insurance
Insurance for construction safety managers, site-safety coordinators, and SSH officers — built around the professional liability…
Law Firm Insurance
Law firm insurance covers legal malpractice — missed deadlines, conflicts, the case-within-a-case — plus the trust-account…
Insurance Agency & Agent Insurance
Insurance agency insurance covers agents E&O for failure to procure and placement errors, plus the cyber and wire-fraud exposure…
Independent & Public Insurance Adjuster Insurance
Insurance for independent and public adjusters — the errors and omissions coverage a mis-estimate, missed deadline, or bad-faith…
Court Reporting & Stenography Agency Insurance
Court reporting and stenography agency insurance — the errors and omissions coverage a transcript error, missed certification, or…
Home Inspector Insurance
Home inspector insurance covers E&O for missed defects discovered after closing, general liability for on-site damage and injury,…
Real Estate Appraiser Insurance
Real estate appraiser insurance covers valuation E&O measured against USPAP, the rising appraisal-bias and Fair Housing exposure,…
IT Services & MSP Insurance
IT services and MSP insurance fuses technology E&O and cyber for providers who hold the keys to every client's network — covering…
Data Center & Colocation Insurance
Data center insurance protects colocation and hyperscale facilities against the exposures that define the business — catastrophic…
AI & Machine Learning Company Insurance
AI and machine learning company insurance covers the technology errors-and-omissions, algorithmic-bias, IP and training-data, and…
Cybersecurity Firm & MSSP Insurance
Cybersecurity firm and MSSP insurance covers the failure-to-prevent-breach professional liability, negligent-testing,…
Private Investigator Insurance
Private investigator insurance covers the invasion-of-privacy, defamation, and assault exposures of investigative work — the…
Technology Company Insurance
Technology company insurance fuses technology E&O and cyber for software, platform, and tech-product firms whose work product is…
Staffing Agency Insurance
Staffing agency insurance covers the risks temp, direct-hire, PEO, and EOR firms face — workers' compensation for placed…
Professional Employer Organization (PEO) Insurance
PEO insurance protects professional employer organizations against the concentrated co-employment exposures of the model — master…
Mobile Notary Business Insurance
Mobile Notary business Insurance protecting your business against professional errors, document fraud claims, and liability…
Security Guard Business Insurance
Security Guard Business Insurance protecting your company against use of force claims, employee injuries, and professional…
Travel Agency Insurance
Travel agency insurance covers the professional liability at the heart of the business — booking errors, failure to disclose, and…
Bookkeeping & Tax Prep Firm Insurance
Bookkeeping and tax prep firm insurance covers professional E&O for financial errors that trigger IRS penalties, the acute cyber…
Web & App Development Insurance
Web and app development insurance covers technology E&O for defective code, blown deadlines, and software that fails, the cyber…
Land Surveyor Insurance
Land surveyor insurance covers the professional-liability exposure of boundary, ALTA, and construction-staking errors, field and…
Call Center & Answering Service Insurance
Call center and answering service insurance covers the professional-liability exposure of handling calls on clients' behalf,…
Franchisor Insurance
Franchisor insurance protects the company that grants franchises — built around vicarious-liability exposure for franchisee acts,…
Franchisee Insurance
Franchisee insurance matches the franchise agreement's required coverages, limits, additional-insured and waiver terms, and…
Interior Designer Insurance
Interior designer insurance covers residential and commercial design firms — built around professional liability for…
Environmental Consultant Insurance
Environmental consultant insurance covers firms that assess and advise on contamination — built around combined professional and…
Medical Billing Service Insurance
Medical billing service insurance covers E&O for coding and billing errors that cost providers revenue, False Claims Act…
Translation & Interpreting Service Insurance
Translation and interpreting insurance covers E&O when a mistranslation causes a medical, legal, or financial harm,…
Process Server Insurance
Process server insurance covers E&O for defective or improper service that voids a case, confrontation and trespass liability in…
Business & Executive Coach Insurance
Business and executive coach insurance covers E&O when advice or a program fails to deliver, media and IP exposure from courses…
Manufacturing & Wholesale 57
Manufacturing Business Insurance
Manufacturing business insurance protects against product liability, equipment damage, worker injuries, and business interruption…
Food & Beverage Manufacturing Insurance
Food and beverage manufacturing insurance covers product contamination and recall, foodborne-illness and allergen liability,…
Metal Fabrication Insurance
Metal fabrication insurance covers hot-work fire, completed-operations liability when a fabricated part fails, heavy-machinery…
Plastics Manufacturing Insurance
Plastics manufacturing insurance covers the resin-fire and combustible-dust exposure, mold and die and equipment-breakdown loss,…
Apparel & Textile Manufacturing Insurance
Apparel and textile manufacturing insurance covers flammability and children's-sleepwear product liability, IP and labeling…
Furniture Manufacturing Insurance
Furniture manufacturing insurance covers tip-over and flammability product liability, combustible wood-dust and finishing fire,…
Chemical Manufacturing Insurance
Chemical manufacturing insurance covers the pollution and environmental liability, fire and explosion, process-safety, product,…
Medical Device Manufacturing Insurance
Medical device manufacturing insurance covers high-severity product liability for implants and devices, FDA-recall exposure,…
Electronics Manufacturing Insurance
Electronics manufacturing insurance covers lithium-ion fire and product-liability exposure, high-value clean-room and equipment…
Auto Parts Manufacturing Insurance
Auto parts manufacturing insurance covers safety-critical product liability and crash claims, massive NHTSA recall exposure, OEM…
Toy & Juvenile Products Manufacturing Insurance
Toy and juvenile products manufacturing insurance covers children's-product liability, the strict CPSC/CPSIA regime, the highest…
Packaging & Paper Products Manufacturing Insurance
Packaging and paper products manufacturing insurance covers converting-machinery injuries, paper-stock and combustible-dust fire,…
3D Printing & Additive Manufacturing Insurance
3D printing and additive manufacturing insurance covers product liability on custom printed parts, design-and-file E&O,…
Precast Concrete Products Manufacturing Insurance
Precast concrete products manufacturing insurance covers long-tail completed-operations on structural precast, plant crane and…
Print Shop Insurance
Print shop insurance covers the media and advertising-injury exposure of reproducing customer content, printers E&O for costly…
Machine Shop Insurance
Machine shop insurance covers products liability with a long completed-operations tail on precision parts that fail downstream,…
Woodworking & Cabinet Shop Insurance
Woodworking and cabinet shop insurance covers combustible wood-dust fire and explosion, woodworking-machinery amputation,…
Candle Making Business Insurance
Candle making business insurance covers the product liability of a candle that starts a fire or burns someone, the…
Soap & Bath Products Maker Insurance
Handmade soap and bath-products insurance covers product liability for skin reactions and chemical burns from products applied to…
Cosmetics & Skincare Product Insurance
Cosmetics and skincare insurance covers topical injury from allergic reactions, chemical burns, and microbial contamination, plus…
Dietary Supplement Insurance
Dietary supplement insurance covers illness and bodily-injury product liability from ingested vitamins, herbals, and powders,…
Nutraceutical Insurance
Nutraceutical insurance covers functional foods and beverages, probiotics, and novel bioactive ingredients — product liability,…
Jewelry Maker & Designer Insurance
Jewelry maker and designer insurance covers the jewelers-block and bailee exposure for customers' precious metals and gemstones…
Pet Food Manufacturing Insurance
Pet food and treat manufacturing insurance covers the product-contamination and recall exposure of a bad batch sickening pets…
Life Sciences Business Insurance
Life sciences insurance coordinates high-severity products and clinical-trial liability with professional and management…
Biotech R&D Insurance
Biotech R&D insurance protects discovery- and pre-clinical-stage biotechnology companies — their irreplaceable research,…
Clinical Trials Insurance
Clinical trials insurance covers injury to human research participants and the sponsors, sites, and research organizations that…
Contract Research Organization (CRO) Insurance
CRO insurance protects the organizations that run clinical trials and research under contract — covering professional errors,…
Diagnostics & Genomics Lab Insurance
Diagnostics and genomics lab insurance covers the wrong-result, lab-developed-test, bioinformatics, and genetic-privacy exposures…
Wholesale and Distribution Insurance
Wholesale and distribution insurance protects inventory, cargo, warehouses, and operations from liability, property damage,…
Food & Beverage Distributor Insurance
Insurance for wholesale food and beverage distributors — built around vendor product liability for foodborne illness,…
Medical & Surgical Supply Distributor Insurance
Insurance for distributors of medical devices, surgical supplies, PPE, and durable medical equipment — built around product…
Pharmaceutical Wholesaler Insurance
Insurance for wholesale drug distributors, pharma 3PLs, and repackagers — built around product liability for distributed drugs,…
Auto Parts Distributor Insurance
Insurance for wholesale and warehouse distributors of automotive parts — built around product liability for safety-critical parts…
Building Materials & Lumber Wholesaler Insurance
Insurance for wholesale lumber and building-materials yards supplying contractors — built around a boom and flatbed delivery…
Importer & Wholesale Distributor Insurance
Insurance for importers who buy overseas and distribute domestically — built around vicarious product liability where you become…
Industrial Equipment & Machinery Distributor Insurance
Insurance for distributors and dealers of industrial equipment and machinery — built around product and completed-operations…
Chemical Distributor Insurance
Insurance for wholesale chemical distributors — built around pollution and environmental liability for spills and releases,…
Apparel & Textile Wholesaler Insurance
Insurance for wholesale apparel, textile, and footwear distributors — built around product liability on imported goods…
Cold Storage & Refrigerated Warehouse Insurance
Cold storage insurance covers the spoilage and refrigeration-breakdown exposure of temperature-controlled warehousing, warehouse…
Third-Party Logistics (3PL) & Fulfillment Insurance
Insurance for third-party logistics providers and fulfillment centers — built around warehouse legal liability and bailee…
Sawmill & Lumber Mill Insurance
Sawmill and lumber mill insurance covers combustible wood-dust explosion and fire, amputation-grade machinery, kiln and log-yard…
Aerospace & Aircraft Parts Manufacturing Insurance
Aerospace parts manufacturing insurance covers catastrophic in-flight product failure, recall and grounding liability, AS9100…
Tool & Die / Precision Machining Insurance
Tool and die and precision machining insurance covers completed-operations on parts and tooling, CNC machinery and equipment…
Sporting Goods Manufacturing Insurance
Sporting goods manufacturing insurance protects makers of athletic and recreational equipment against the product-liability…
Sporting Goods Distributor & Wholesaler Insurance
Sporting goods distributor and wholesaler insurance covers the vicarious product liability, importer-as-manufacturer exposure,…
Firearms & Ammunition Manufacturing Insurance
Firearms and ammunition manufacturing insurance covers the high-hazard, product-liability, and regulatory exposures of making…
Electronics Distributor & Wholesaler Insurance
Electronics distributor and wholesaler insurance covers lithium-battery fire and product-liability exposure, high-value…
Toy & Juvenile Products Distributor & Wholesaler Insurance
Toy and juvenile products distributor and wholesaler insurance covers the severe product-liability, CPSC recall, and…
Beverage & Alcohol Distributor & Wholesaler Insurance
Beverage and alcohol distributor and wholesaler insurance covers liquor liability, product contamination, large delivery-fleet…
Industrial Machinery & Equipment Manufacturing Insurance
Industrial machinery manufacturing insurance covers the severe product-liability, design errors-and-omissions, installation, and…
HVAC, Plumbing & Electrical Supply Distributor Insurance
HVAC, plumbing, and electrical supply distributor insurance covers the vicarious product liability, counter and will-call…
Pet Supply Distributor & Wholesaler Insurance
Pet supply distributor and wholesaler insurance covers product-liability and recall exposure for pet food, treats, toys, and…
Furniture Distributor & Wholesaler Insurance
Furniture distributor and wholesaler insurance covers tip-over and flammability product liability, high-value warehouse stock,…
Appliance Manufacturing Insurance
Appliance manufacturing insurance covers the fire, water, and electrocution product-liability exposure of making major and small…
Cannabis & CBD Product Manufacturing Insurance
Cannabis and CBD product manufacturing insurance covers the product-liability, contamination, mislabeling, and extraction-fire…
Jewelry & Watch Distributor & Wholesaler Insurance
Jewelry and watch distributor and wholesaler insurance centers on jewelers block coverage for high-value stock, goods in transit,…
Creative, Media & Entertainment 17
Photography & Videography Business Insurance
Photography & Videography Business Insurance that protects your gear, clients, and creative business against liability and…
Film Production Insurance
Film production insurance protects movies, commercials, and media projects from equipment damage, liability claims, cast…
DJ’s Business Insurance
DJ’s business Insurance protecting your equipment, performances, and business against liability claims, gear theft, and event…
Entertainer Business Insurance
Entertainer business Insurance protecting your performances, equipment, and business against liability claims, event…
Makeup Artist Business Insurance
Makeup Artist Business Insurance that protects your business against allergic reaction claims, professional liability, and…
Music Studio Business Insurance
Music Studio Business Insurance protecting your studio against equipment theft, liability claims, and professional errors. Keep…
Podcast Business Insurance
Podcast business Insurance protecting your show against defamation claims, copyright disputes, equipment loss, and professional…
Influencer & Content Creator Business Insurance
Influencer & Content Creator business Insurance protecting your brand against defamation claims, copyright disputes, equipment…
Graphic Design Insurance
Graphic design insurance covers the intellectual-property and advertising-injury exposure that defines creative work,…
Drone Operator Insurance
Commercial drone operator insurance covers the aviation liability standard business policies exclude as aircraft,…
Theater Insurance
Theater insurance covers the audience and premises liability of a full house, the production and stage exposures of live…
Museum Insurance
Museum insurance covers the collection — owned and loaned — on a fine-arts basis nail-to-nail, the premises liability of a public…
Art Gallery Insurance
Art gallery insurance covers consigned art the gallery doesn't own but is responsible for, fine-arts property and transit, the…
Talent & Modeling Agency Insurance
Talent and modeling agency insurance covers professional liability for representation and booking, abuse and molestation exposure…
Publishing Company Insurance
Publishing company insurance covers media liability for defamation and invasion of privacy, copyright and trademark infringement…
Esports Organization Insurance
Esports organization insurance covers tournament and event liability, player contracts and minor-athlete exposure, media and…
Animation & VFX Studio Insurance
Animation and VFX studio insurance covers production and professional E&O for contracted delivery, media and IP exposure in…
Financial Services 15
Bank Insurance
Bank insurance covers the financial-institution bond and crime exposure, the directors-and-officers and lender-liability risk of…
Credit Union Insurance
Credit union insurance covers the bond and crime exposure of a member-owned institution, the directors-and-officers risk of a…
Check Cashing & Money Services Insurance
Check cashing and money services business (MSB) insurance covers the crime exposure of high cash on hand and forged instruments,…
Collection Agency Insurance
Collection agency insurance covers the FDCPA and TCPA statutory-liability and class-action exposure of debt collection,…
Bail Bonds Insurance
Bail bonds insurance covers the errors-and-omissions and recovery-agent liability of a bail agency, the false-arrest and assault…
Financial Advisor Insurance
Financial advisor and RIA insurance covers E&O for unsuitable advice and fiduciary breach, regulatory-defense costs, and the…
Investment Company Insurance
Investment company insurance covers the management-liability, professional (E&O), and cyber exposures of firms that manage money…
Hedge Fund, Private Equity & Venture Capital Insurance
Insurance for hedge fund, private equity, and venture capital managers — investment management E&O, management liability (D&O),…
Broker-Dealer Insurance
Broker-dealer insurance covers the FINRA-regulated securities firm — securities E&O, management liability, fidelity bond, and…
Asset & Wealth Management Firm Insurance
Insurance for asset and wealth management firms — registered investment advisers managing client portfolios — built around…
Tax Preparation Service Insurance
Tax preparation service insurance covers tax preparers and tax-prep firms — built around professional liability (E&O) for return…
ATM Operator Insurance
ATM operator insurance covers the cash inside machines and in transit, robbery, ram-raids and skimming, the ATMs themselves, and…
Payment Processor & Merchant Services Insurance
Payment processor and merchant services insurance covers cardholder-data breach and PCI liability, technology and professional…
Crypto & Digital-Asset Business Insurance
Crypto and digital-asset insurance covers theft of digital assets from hot wallets and cold storage, insider theft, cyber and…
Factoring & Invoice Finance Insurance
Factoring and invoice finance insurance covers loss on purchased receivables from fraudulent or fictitious invoices, debtor…
Nonprofit, Faith & Education 27
Nonprofit Organization Insurance
Nonprofit organization insurance protects charities, foundations, and educational organizations from liability claims, board…
Church and Religious Organization Insurance
Church and Religious Organization insurance protects religious organizations from liability claims, property damage, abuse…
School Insurance
School insurance protects private schools, academies, and education programs from liability claims, abuse allegations, property…
Charter & Private School Insurance
Charter and private school insurance covers student abuse and molestation, educators legal liability over discipline and…
Daycare and Childcare Insurance
Daycare and childcare insurance protects centers from injury claims, abuse allegations, property damage, and liability risks…
Public Entity Insurance
Public entity insurance protects municipalities, schools, and government organizations from liability claims, property damage,…
Animal Shelter & Rescue Insurance
Animal shelter and rescue insurance covers bites and scratches during handling, adoption liability when a placed animal injures…
Food Bank & Pantry Insurance
Food bank and pantry insurance covers foodborne-illness and contamination claims on distributed food, refrigeration breakdown and…
Social Services Agency Insurance
Social services agency insurance covers professional liability for case-management and referral errors, abuse and molestation of…
Youth Development & Mentoring Organization Insurance
Youth development and mentoring insurance covers abuse and molestation of minors, background-screening and supervision failures,…
Enrichment Program Insurance
Enrichment program insurance protects for-profit after-school and summer enrichment businesses — STEM, coding, music, art, chess,…
Tutoring Business Insurance
Tutoring business Insurance that protects your business against professional liability, student injury claims, and academic…
Membership & Trade Association Insurance
Membership and trade association insurance covers antitrust-exposed D&O from standard-setting and certification, professional…
Fraternity & Sorority Insurance
Fraternity and sorority insurance covers the hazing, abuse, event and liquor liability, chapter-house property, and…
Foundation & Grantmaking Organization Insurance
Foundation and grantmaking insurance covers fiduciary-duty and self-dealing D&O, endowment oversight, crime and embezzlement on…
Veterans & Fraternal Organization Insurance
Veterans and fraternal organization insurance covers the post or lodge bar and canteen dram-shop exposure, the hall and its…
Arts & Cultural Nonprofit Insurance
Arts and cultural nonprofit insurance covers live-performance and production liability, fine-arts and bailee exposure on…
Conservation & Environmental Nonprofit Insurance
Conservation and environmental nonprofit insurance covers premises and recreational-use liability on public preserves and trails,…
Affordable Housing & Community Development Insurance
Affordable housing and community development insurance covers habitational premises and tenant liability, Fair Housing and D&O…
Disability & Developmental Services Insurance
Disability and developmental services insurance covers abuse and molestation of vulnerable clients, human-services professional…
Zoo, Aquarium & Wildlife Sanctuary Insurance
Zoo and aquarium insurance covers dangerous-animal liability, large public-attraction premises, keeper and handler injuries, and…
Legal Aid & Legal Services Insurance
Legal aid insurance covers lawyers' malpractice and legal E&O, volunteer and pro bono attorney liability, breaches of privileged…
Workforce Development & Job Training Insurance
Workforce development insurance covers participant injury during hands-on vocational training, negligent placement and…
Historical Society & Preservation Insurance
Historical society insurance covers irreplaceable collections and archives on a fine-arts inland-marine basis, historic buildings…
International NGO & Relief Organization Insurance
International NGO and relief insurance covers kidnap and ransom of staff abroad, political-risk loss, foreign liability and…
Botanical Garden & Arboretum Insurance
Botanical garden and arboretum insurance covers premises liability across public grounds, falling-limb and water-feature…
Credit Counseling & Financial Literacy Insurance
Credit counseling and financial literacy insurance covers counseling and debt-management E&O, consumer financial-data breach,…
Waste & Environmental Services 10
Waste Hauling & Recycling Insurance
Waste hauling and recycling insurance covers the heavy commercial-auto severity of collection fleets, the pollution exposure of…
Junk Removal Insurance
Junk removal insurance covers the property-damage and injury exposure of hauling and clearing others' belongings, the commercial…
Septic & Drain Contractor Insurance
Septic and drain contractor insurance covers the pollution exposure of sewage backups and spills, pump-truck auto, underground…
Scrap Metal & Recycler Insurance
Scrap metal recycler insurance covers the fire and equipment exposure of shredding and processing metal, pollution and…
Portable Sanitation (Porta-Potty) Insurance
Portable sanitation insurance covers portable-toilet and restroom-rental operators — built around commercial auto for pump and…
Medical Waste Disposal Insurance
Medical waste disposal insurance covers the biohazard and pollution exposure of collecting, transporting, and treating infectious…
Hazardous Waste Hauler Insurance
Hazardous waste hauler insurance covers the transportation-pollution exposure of a spill in transit, the long-tail CERCLA cleanup…
Dumpster & Roll-Off Rental Insurance
Dumpster and roll-off rental insurance covers the delivery-fleet auto severity of placing and retrieving containers, liability…
E-Waste Recycling Insurance
E-waste recycling insurance covers the lithium-battery fire and heavy-metal pollution of dismantling and shredding electronics,…
Street Sweeping Insurance
Street sweeping insurance covers a specialized sweeper fleet working slowly in live traffic and at night, the high-value sweeper…
Aviation 7
Aviation Insurance
Aviation insurance covers aircraft hull and liability, non-owned and hangarkeepers exposure, and the specialized needs of…
Aircraft Owner Insurance
Aircraft owner insurance covers hull physical damage and liability for private and corporate aircraft, the pilot warranties and…
Airport Service Business Insurance
Airport service business and FBO insurance covers hangarkeepers liability for aircraft in your care, fueling and ground-handling…
Flight School Insurance
Flight school insurance covers training-aircraft hull and liability, the instructor and student exposure of dual and solo…
Aircraft Maintenance & MRO Insurance
Aircraft maintenance and MRO insurance covers aviation products and completed-operations liability when faulty work causes an…
Air Charter & Air-Taxi Insurance
Air charter and air-taxi insurance covers passenger liability and aircraft hull for FAA Part 135 operators carrying paying…
Agricultural Aviation (Crop Dusting) Insurance
Agricultural aviation insurance covers aerial applicators' low-altitude flight risk and the signature chemical drift and…
Agriculture & Natural Resources 16
Farm Insurance
Farm insurance blends the home, barns, machinery, and stored crops with farm liability in one package standard homeowners and CGL…
Ranch Insurance
Ranch insurance covers livestock as insurable property and herd mortality, grazing land and ranch premises liability, animal…
Equine & Horse Stable Insurance
Equine and horse stable insurance covers care-custody-and-control of boarded horses you don't own, participant riding-injury…
Vineyard & Grape Grower Insurance
Vineyard and grape grower insurance covers the vine crop against frost, hail, drought, wildfire, and smoke taint, plus Pierce's…
Orchard & Fruit Grower Insurance
Orchard and fruit grower insurance covers both the harvest and the long-lived trees against freeze, frost, hail, and disease like…
Dairy Farm Insurance
Dairy farm insurance covers the milking herd against death and disease, milk contamination and adulteration, milking and…
Poultry & Egg Farm Insurance
Poultry and egg farm insurance covers catastrophic flock loss from avian influenza, ventilation failure, and barn fire, plus…
Aquaculture & Fish Farm Insurance
Aquaculture and fish farm insurance covers catastrophic stock loss from oxygen crashes, disease, and life-support failure, plus…
Greenhouse & Nursery Grower Insurance
Greenhouse and nursery grower insurance covers the growing crop tied to glass and poly structures and climate systems, heating…
Beekeeping & Apiary Insurance
Beekeeping and apiary insurance covers bee colonies as living inventory against collapse, pesticide kill, disease, theft, and…
Cannabis Cultivation Insurance
Cannabis cultivation insurance covers the living crop against mold, pests, climate-system failure, fire, and theft, plus…
Logging & Forestry Insurance
Logging and forestry insurance covers catastrophic worker injuries from felling and chainsaws, high-value forestry equipment, log…
Commercial Fishing Insurance
Commercial fishing insurance is maritime coverage — hull and machinery, P&I, and crew injury under the Jones Act and USL&H rather…
Mining & Quarrying Insurance
Mining and quarrying insurance covers cave-in, blasting, heavy-equipment, and silica-dust worker exposures, crushers and haul…
Oil & Gas Field Services Insurance
Oil and gas field services insurance covers blowouts and well-control events, explosion and H2S exposure, control-of-well, heavy…
Renewable Energy Operations Insurance
Renewable energy insurance for utility-scale solar, wind, and battery storage operators — covering high-value generation…
Specialty & Other 11
Cannabis Business Insurance
Cannabis business Insurance protecting your dispensary, cultivation facility, or cannabis business against product liability,…
Funeral Home Business Insurance
Funeral Home Business Insurance protecting your business against professional liability, property damage, and transportation…
Dry Cleaner Insurance
Dry cleaner insurance covers the industry's signature long-tail solvent-pollution exposure from perc contamination, bailee…
Laundromat Insurance
Laundromat insurance covers the hazards of an unattended, water-and-machinery-dense premises — slips and burns, water damage,…
Cemetery Insurance
Cemetery insurance covers the interment-error professional liability standard GL excludes — wrong-plot and wrong-body burials and…
Auction House Insurance
Auction house insurance covers the bailee care-custody exposure for high-value consigned goods held and displayed at a fixed…
Auctioneer Insurance
Auctioneer insurance covers the professional liability for misdescription, title errors, and failure to remit proceeds that…
Online Gaming & Sportsbook Insurance
Online gaming and sportsbook insurance covers the cyber and data-breach exposure of a digital wagering platform, technology E&O…
Gunsmith Insurance
Gunsmith insurance covers products and completed-operations liability when a repaired or built firearm malfunctions, bailee…
Fireworks Display & Pyrotechnics Insurance
Fireworks display and pyrotechnics insurance covers the catastrophic liability of detonating explosives near crowds, misfire and…
Crematory Insurance
Crematory insurance covers the professional cremation errors — misidentification, wrong or commingled remains, loss of remains —…