Commercial Insurance Coverages
50+ commercial coverage lines, from general liability to specialty risk — placed with care in all 50 states.
General Liability Insurance
General liability insurance protects your business from third-party injury, property damage, and lawsuit claims arising from…
Business Owners Policy
A Business Owners Policy (BOP) combines general liability and commercial property insurance into one cost-effective policy…
Workers’ Compensation Insurance
Workers compensation insurance covers employee injuries, medical costs, and lost wages from work-related accidents while helping…
Commercial Auto Insurance
Commercial auto insurance covers vehicles used for business, protecting against accidents, injuries, property damage, and…
USL&H & Maritime Employers Liability Insurance
USL&H and Maritime Employers Liability insurance covers the maritime workforce that standard workers' comp excludes — harbor and…
Commercial Property Insurance
Commercial property insurance protects buildings, equipment, inventory, and business contents against fire, theft, vandalism, and…
Professional Liability Insurance
Professional liability insurance covers claims of negligence, errors, or failure to perform professional services, protecting…
Cyber Insurance
Cyber insurance protects businesses from data breaches, ransomware attacks, and cybercrime by covering recovery costs, legal…
Technology E&O Insurance
Technology Errors & Omissions insurance protects technology companies when the products or services they deliver fail a client,…
Umbrella or Excess Liability Insurance
Umbrella or excess liability insurance provides additional protection above general liability, auto, and employer liability…
Directors & Officers Insurance
Directors and officers insurance protects company leaders from lawsuits alleging mismanagement, wrongful decisions, or breach of…
Employment Practices Liability Insurance
Employment practices liability insurance covers claims involving wrongful termination, discrimination, harassment, or retaliation…
Transaction Risk Insurance
Transaction risk insurance — representations and warranties (R&W), tax liability, and contingent liability cover — protects…
Liquor Liability Insurance
Liquor liability insurance protects businesses that sell or serve alcohol from claims involving injuries or property damage…
Inland Marine Insurance
Inland marine insurance protects tools, equipment, and materials while in transit, stored off-site, or used at job locations not…
Builders Risk Insurance
Builders risk insurance protects construction projects, materials, and equipment from damage caused by fire, theft, vandalism, or…
Surety Bonds
Surety bonds are three-party guarantees, not insurance — bid, performance, payment, license, and court bonds that guarantee a…
Commercial Flood Insurance
Commercial flood insurance covers damage to buildings, equipment, and contents caused by flooding, storm surge, or rising water…
Earthquake Insurance
Earthquake insurance covers direct physical damage to buildings, contents, and business income from earth movement — a peril that…
Difference in Conditions Insurance
Difference in conditions (DIC) insurance broadens a commercial property program by covering excluded catastrophe perils — most…
Crime Insurance
Crime insurance protects businesses from financial loss caused by employee theft, fraud, forgery, robbery, or computer crime that…
Fiduciary Liability Insurance
Fiduciary liability insurance protects businesses and plan administrators against claims of mismanagement of employee benefit…
Pollution Liability Insurance
Pollution liability insurance covers claims involving environmental damage, contamination, or bodily injury caused by hazardous…
Cargo Insurance
Cargo insurance covers goods and merchandise while being transported by truck, rail, air, or ship, protecting against theft,…
Special Event Insurance
Special event insurance provides temporary liability coverage for accidents, injuries, or property damage occurring during…
Event Insurance Coverage
Event insurance coverage is the umbrella over the policies that protect an event — liability, cancellation, weather, and prize…
Warehouse Legal Liability Insurance
Warehouse legal liability insurance covers damage to goods stored for others when the warehouse operator is legally responsible…
Bailee’s Insurance
Bailee’s insurance protects businesses when customer property in their care, custody, or control is damaged, lost, or stolen…
Sexual Abuse and Molestation Insurance
Sexual abuse and molestation insurance provides liability protection for claims involving abuse, misconduct, or negligent…
Kidnap, Ransom, and Extortion Insurance
Kidnap, ransom, and extortion insurance covers financial loss, ransom payments, and crisis response expenses resulting from…
Life & Health Insurance Plans
Life and health insurance plans are the full employee-benefits program — medical, dental, vision, disability, life, and voluntary…
Group Life Insurance Plans
Group life insurance plans give employees employer-paid and voluntary term life and AD&D coverage at group rates — with…
Business Accident Insurance
Business accident insurance (Accident & Health) pays fixed, no-fault benefits directly to the injured person after a covered…
Hired & Non-Owned Auto Insurance
Hired and non-owned auto insurance covers a business's liability when employees drive their own cars for work or the company…
Physical Damage Insurance
Physical damage insurance is first-party coverage that repairs or replaces your own trucks and commercial vehicles after…
Bobtail Insurance
Bobtail insurance covers an owner-operator's liability when driving a tractor without a trailer while not under dispatch —…
Unladen Liability Insurance
Unladen liability (UL) covers an owner-operator's liability while running the tractor without a load — bobtailing with no trailer…
Non-Trucking Liability Insurance
Non-trucking liability insurance covers an owner-operator's liability while using the truck for personal, non-business purposes…
Contingent Auto Liability Insurance
Contingent auto liability insurance protects freight brokers, 3PLs, and shippers when a hired motor carrier's primary auto…
Contingent Cargo Insurance
Contingent cargo insurance protects freight brokers and 3PLs from cargo loss and damage claims when a hired motor carrier's…
Truck Broker Liability Insurance
Truck broker liability insurance protects freight and transportation brokers from negligent carrier-selection lawsuits, errors in…
Product Liability Insurance
Product liability insurance covers third-party injury and property damage caused by a product you make, import, distribute, or…
Product Recall & Contamination Insurance
Product recall and contamination insurance covers the first-party cost of pulling a defective or contaminated product —…
Business Interruption Insurance
Business interruption insurance replaces lost income and covers continuing expenses — payroll, rent, loan payments — while a…
Equipment Breakdown Insurance
Equipment breakdown insurance pays to repair or replace machinery and systems that suddenly fail from mechanical, electrical, or…
Event Cancellation Insurance
Event cancellation insurance reimburses an organizer's lost revenue and non-recoverable expenses when an event is cancelled,…
Weather Insurance
Weather insurance pays a business for financial loss caused by adverse weather — including parametric coverage that pays…
Prize Indemnity Insurance
Prize indemnity insurance lets a business advertise a large contest prize — a hole-in-one, half-court shot, or sweepstakes…
Media & Advertising Liability Insurance
Media and advertising liability insurance covers content lawsuits — defamation, copyright and trademark infringement, invasion of…
Intellectual Property Insurance
Intellectual property insurance covers the patent, trademark, and copyright disputes a general liability policy's IP exclusion…
Political Risk Insurance
Political risk insurance protects foreign investments, assets, and contracts against government actions abroad — expropriation,…
Ocean Marine Insurance
Ocean marine insurance protects goods, vessels, and liabilities in international and waterborne transit — ocean cargo, hull and…
Active Shooter & Workplace Violence Insurance
Active shooter and workplace violence insurance responds to a deadly-weapon attack with victim care, third-party and…
Terrorism & Political Violence Insurance
Terrorism and political violence insurance covers property damage, business interruption, and related loss from terrorism, riots,…
High-Hazard Operations Insurance
High-hazard operations insurance covers businesses the standard market declines — roofing, demolition, blasting, tree work,…
Vacant Building Insurance
Vacant building insurance restores the property and liability coverage a standard policy strips away once a building sits empty…
Vacant Land Insurance
Vacant land insurance covers the liability of owning undeveloped land — trespasser and attractive-nuisance injuries,…
Garage Liability Insurance
Garage liability insurance covers the third-party injury and property damage that auto-related businesses face — the operations…
Garagekeepers Insurance
Garagekeepers insurance covers physical damage to customers' vehicles left in your care, custody, and control — fire, theft,…
On-Hook / In-Tow Insurance
On-hook (in-tow) insurance covers physical damage to a customer's vehicle while it is being towed, winched, loaded, or hauled in…
Riggers Liability (On-Hook) Insurance
Riggers liability insurance covers physical damage to a customer's property while it is being lifted, rigged, hoisted, or moved…
Dealers Open Lot Insurance
Dealers open lot insurance is first-party physical-damage coverage protecting a dealer's own vehicle inventory against hail,…
Employed Lawyers Liability Insurance
Employed lawyers liability insurance covers in-house attorneys and their employer for malpractice and errors in the legal…
Trade Credit Insurance
Trade credit insurance protects a company's accounts receivable against non-payment when a commercial buyer becomes insolvent,…