Coverage That Protects Every Part of Your Business
From a two-person operation to a multi-location company — we build commercial programs across every line of coverage, with carrier access and industry expertise that protects what you've built.
Your commercial program is only as strong as the advisor who built it.
Most businesses are underinsured — not because they skipped coverage, but because no single carrier writes everything well. A strong commercial program is built across multiple carriers, each selected for what they do best in your specific industry and risk profile.
As an independent agency, we're not tied to any one company. We shop the full market, place each line with the right carrier, and build a program that actually fits your operation — not a package that happens to be available off the shelf.
Our commercial team works across every major line: general liability, commercial auto, workers' compensation, property, professional liability, cyber, umbrella, and specialty lines. If your business needs it, we write it.
What independent advice means for you
- We shop 100+ carriers — not just the ones we're captive to
- Each line placed with the carrier best suited for your industry
- No incentive to oversell or steer you toward a specific company
- Renewals re-marketed annually to keep pricing competitive
- One advisor managing your whole program, not multiple reps
- Claims advocacy when it matters most
Every line your business needs.
We write the full commercial program — from foundational liability to complex specialty lines. Click any coverage to learn more.
Foundational Coverage
General Liability (CGL)
Covers bodily injury, property damage, and personal injury claims from your business operations. The foundation of every commercial program.
Learn moreWorkers' Compensation
Required in most states for any business with employees. Covers medical expenses and lost wages from workplace injuries and occupational illness.
Learn moreCommercial Auto
Your personal auto policy won't cover business use. Protects your fleet, hired vehicles, and employees driving their own cars for work purposes.
Learn moreCommercial Property
Covers your building, business personal property, equipment, and inventory against fire, theft, vandalism, and covered perils. Business income coverage included.
Learn moreBusiness Owners Policy (BOP)
A packaged GL and property solution designed for small to mid-size businesses. Often the most cost-effective starting point for a commercial program.
Learn moreCommercial Package (CPP)
A flexible, customized combination of commercial coverages built for mid-size to larger operations with multiple locations, vehicles, or complex exposures.
Learn moreLiability & Excess
Commercial Umbrella
Adds an extra layer of liability protection above your CGL, commercial auto, and employers liability limits. Often required by contracts and commercial landlords.
Learn moreExcess Liability
Stacks additional limits directly above an underlying policy without broadening coverage. Used for high-limit towers on large accounts and complex risks.
Learn moreProfessional Liability & E&O
Covers claims that your professional services or advice caused a financial loss — even when you did nothing wrong. Essential for any service-based business.
Learn moreDirectors & Officers (D&O)
Protects business leaders from personal liability arising from decisions made in their management capacity. Essential for nonprofits, private companies, and boards.
Learn moreEmployment Practices Liability (EPLI)
Covers claims from employees alleging wrongful termination, discrimination, harassment, and retaliation. Any business with employees has this exposure.
Learn moreFiduciary Liability
Protects plan administrators, trustees, and employers from claims alleging a breach of fiduciary duty in managing employee benefit plans (401k, ERISA plans).
Learn moreSpecialty & Property Lines
Cyber Liability
Covers first-party losses and third-party liability from data breaches, ransomware, and business email compromise — the fastest-growing commercial claims category.
Learn moreInland Marine & Equipment
Covers tools, equipment, and property in transit or at job sites. Follows your property off-premises — where standard commercial property policies stop.
Learn moreBuilders Risk
Covers buildings under construction and renovation against fire, wind, theft, and vandalism. Required on most construction contracts from ground-breaking to completion.
Learn moreSurety Bonds
Bid, performance, payment, license, and court bonds. We write the full spectrum of surety for contractors, regulated industries, and businesses requiring bonds by contract.
Learn moreBusiness Overhead Expense (BOE)
Covers ongoing business expenses — rent, payroll, utilities — if a key owner becomes disabled and cannot work. Critical protection for owner-operated businesses.
Learn moreProduct Liability
Covers claims that a product you manufactured, sold, or distributed caused bodily injury or property damage. Essential for any business in the product supply chain.
Learn moreIndustry-Specific Lines
Truckers & Motor Cargo
Specialized commercial auto and cargo coverage for motor carriers, owner-operators, and freight brokers. Covers liability, physical damage, and cargo in transit.
Learn moreGarage & Dealers
Coverage for auto dealers, repair shops, and service stations. Includes garage keepers legal liability, dealer open lot, and garagemen's liability.
Learn moreFarm & Agriculture
Covers farm property, farm liability, livestock, and farm equipment. Tailored for farming operations, agribusiness, and rural property owners.
Learn morePollution Liability
Covers third-party bodily injury, property damage, and cleanup costs from pollution events. Required for contractors, environmental firms, and regulated industries.
Learn moreCrime & Fidelity
Covers employee theft, forgery, computer fraud, and funds transfer fraud. Protects against financial loss from both internal and external criminal acts.
Learn moreAdditional Specialty Lines
Wind & hail, storage tanks, special events, liquor liability, and more. If your operation has a unique exposure, we have the E&S market access to cover it.
Learn moreDeep expertise across every sector.
Every industry has its own exposures. Our team knows what your industry needs — and which carriers write it best.
From first call to bound coverage.
Tell us about your business
We ask the right questions about your operations, exposures, contracts, and risk tolerance — things that actually affect your program.
We shop the market
Your submission goes to the carriers best suited for your industry and coverage needs — not just whoever picks up the phone first.
We explain your options
No jargon. We walk through the quotes, what's covered, what's not, and what we recommend — and why.
We stay with you
Renewals, endorsements, certificates, and claims support — your advisor is your single point of contact for the life of your program.
Common questions.
At minimum, most businesses need General Liability and Commercial Property or a BOP. Businesses with employees need Workers' Compensation in most states. Any business with vehicles needs Commercial Auto. Beyond that, your specific industry, contracts, and client requirements drive what else you need.
A BOP is a standardized bundle of GL and property designed for smaller, lower-risk businesses. A Commercial Package Policy (CPP) is more flexible and built for larger or more complex operations. We'll recommend the right approach based on your size, industry, and exposures.
Straightforward accounts can often be quoted same day or next day. More complex risks involving multiple locations, specialty exposures, or high limits typically take longer as they require more underwriting information. We'll give you a realistic timeline upfront.
Not automatically. Hired and Non-Owned Auto (HNOA) coverage is the solution — it extends liability coverage to employees using personal vehicles on company business. This is one of the most commonly overlooked gaps in commercial programs.
A captive agent can only offer one company's products. We access 100+ carriers and place each line with the carrier best suited for your industry and risk profile. That means more competitive pricing, better coverage terms, and no incentive to steer you toward a particular company.
Absolutely. A coverage review costs you nothing. We'll look at your current program, identify gaps or overlaps, and tell you honestly whether you're well-covered or whether there's a better option available.
Ready to build a better commercial program?
Tell us about your business and we'll put together the right coverage — across the right carriers — for your operation.