80+ Commercial Insurance Products

The cornerstone of any commercial insurance program, CGL protects your business against third-party claims of bodily injury, property damage, and personal and advertising injury arising from your operations, premises, or products.

Specialized coverage for manufacturers, distributors, and retailers against claims arising from products that cause bodily injury or property damage.

Protection for businesses that manufacture, sell, serve, or facilitate the purchase of alcohol, covering claims from alcohol-related incidents.

Provides an additional layer of liability protection above your underlying policies, extending coverage limits when a claim exceeds primary policy limits.

Follows the form of an underlying policy to provide additional limits, ideal for businesses with specific contractual requirements for higher coverage amounts.

Protects your business's physical assets including buildings, business personal property, inventory, and equipment against fire, theft, vandalism, and other covered perils.

A bundled policy combining commercial property and general liability coverage, designed for small to mid-sized businesses seeking comprehensive protection at a competitive price.

A customizable package policy that combines multiple commercial lines coverages into a single policy, offering flexibility for more complex commercial risks.

Covers property in transit and mobile equipment that moves between locations, filling gaps in standard commercial property policies.

Specialized coverage for contractors' equipment and tools that move from jobsite to jobsite, covering theft, damage, and breakdown.

Covers materials, equipment, and supplies during installation projects, from the time they leave the warehouse until the project is complete and accepted.

Protects buildings and structures under construction against physical loss or damage, covering the structure, materials, and equipment on-site.

Liability and physical damage coverage for vehicles owned by your business, including cars, trucks, vans, and specialty vehicles used in commercial operations.

Covers liability arising from the use of vehicles not owned by the business — including employee-owned vehicles used for business purposes and rented vehicles.

Federal and state-mandated liability coverage for trucking companies and motor carriers operating under FMCSA authority.

Covers the freight or commodity hauled by a for-hire trucker against loss or damage while in transit.

Physical damage coverage for trailers in your possession under a trailer interchange agreement, protecting non-owned trailers you are responsible for.

Bobtail coverage for owner-operators when operating their truck for non-business purposes — when not under dispatch.

Provides medical, disability, and accidental death benefits to independent contractors and owner-operators, serving as an alternative to workers' compensation.

Specialized liability coverage for auto dealers, service stations, and repair shops, covering operations and customer vehicles in your care.

Covers physical damage to customer vehicles while in your care, custody, or control for service, repair, storage, or parking.

Comprehensive fleet insurance programs for businesses operating multiple vehicles, including public transportation, limousines, and commercial fleets.

Protects professionals against claims of negligence, errors, or omissions in the performance of professional services that result in financial harm to a client.

Specialized professional liability for technology companies, covering errors in software, IT services, SaaS products, and technology consulting.

Professional liability coverage for healthcare providers against claims of negligent acts, errors, or omissions in the rendering of medical services.

Protects corporate directors and officers from personal liability arising from their management decisions and actions on behalf of the organization.

Covers claims by employees alleging discrimination, harassment, wrongful termination, and other employment-related violations.

Protects plan administrators and fiduciaries of employee benefit plans against claims of mismanagement of plan assets or violations of ERISA.

Covers errors and omissions in the administration of employee benefit programs, such as failing to enroll an employee or incorrectly explaining benefits.

Broad professional liability coverage for professionals who don't fit standard E&O categories, including management consultants, staffing agencies, and more.

Professional liability coverage for manufacturers against claims arising from errors in product design, specifications, or technical advice.

Tailored directors and officers liability for privately held companies, covering management decisions, investor disputes, and regulatory actions.

Comprehensive directors and officers coverage for publicly traded companies, including securities class action defense and SEC investigations.

Bundled management liability solutions combining D&O, EPLI, and Fiduciary Liability into a single, cost-effective policy.

First-party and third-party coverage for data breaches, ransomware attacks, and other cyber incidents, including notification costs, credit monitoring, and regulatory defense.

Covers financial losses from social engineering attacks, phishing schemes, fraudulent wire transfers, and business email compromise (BEC).

Protects against financial losses caused by employee theft, embezzlement, forgery, and other dishonest acts by employees or third parties.

Covers ransom payments, negotiation expenses, and related costs arising from kidnapping, extortion, and detention of employees or executives.

Specialized coverage for businesses against losses arising from active shooter or active assailant events, including property damage, liability, and crisis response.

Specialized coverage for mergers and acquisitions, including representations and warranties insurance and tax liability insurance.

Covers losses arising from breaches of representations and warranties made by the seller in a merger or acquisition agreement.

Statutory coverage providing medical benefits and wage replacement to employees injured on the job, as required by state law.

Part B of the workers' compensation policy, covering employer liability for work-related injuries not covered by the statutory workers' comp system.

General liability coverage tailored for specialty trade contractors — electricians, plumbers, HVAC, painters, and other artisan trades.

Comprehensive general liability for general contractors managing construction projects, including subcontractor liability and completed operations coverage.

Covers pollution incidents arising from contracting operations, including fuel spills, asbestos disturbance, and mold remediation.

Broad pollution liability coverage for businesses with environmental exposures, including site pollution, products pollution, and professional services.

Protects general contractors from financial losses when a subcontractor defaults on their contract obligations, as an alternative to subcontractor performance bonds.

Owner-controlled and contractor-controlled insurance programs providing consolidated coverage for all parties on a construction project.

Required liability coverage for contractors performing work near railroad tracks, protecting the railroad from claims arising from contractor operations.

Comprehensive coverage for residential rental property owners, including building, liability, and loss of rental income.

Specialized insurance for apartment complexes and multi-family residential properties, covering buildings, liability, and loss of rents.

Insurance for unoccupied buildings that standard property policies exclude, covering fire, vandalism, and liability during vacancy.

Liability coverage for commercial property owners who lease their buildings to tenants, protecting against tenant or visitor claims.

Professional liability for property management companies against claims of negligence in managing properties on behalf of owners.

Specialized insurance for properties listed on Airbnb, VRBO, and other short-term rental platforms, filling gaps in homeowner and standard landlord policies.

Comprehensive insurance package for restaurants combining property, general liability, liquor liability, workers' comp, and business interruption.

Specialized coverage for bars and nightclubs with high liquor liability exposure, assault and battery coverage, and entertainment liability.

Tailored coverage for convenience stores including property, liability, crime, and fuel storage tank liability.

Comprehensive coverage for gas stations and service stations, including underground storage tank liability and environmental coverage.

Property and liability coverage for hospitality properties, including guest liability, pool liability, and business interruption.

Professional liability and general liability for medical spas offering aesthetic treatments, laser services, and non-surgical procedures.

Coverage for hair salons, barbershops, and beauty professionals including professional liability, property, and general liability.

Specialized coverage for fitness studios and gyms, including participant liability, equipment coverage, and professional liability for trainers.

Surety bonds required by government agencies for businesses to obtain or maintain licenses and permits, guaranteeing compliance with regulations.

Performance and payment bonds for construction contracts, guaranteeing that contractors will complete projects and pay subcontractors and suppliers.

A broad category of surety bonds for non-construction purposes, including court bonds, fiduciary bonds, and miscellaneous commercial bonds.

Access to non-admitted markets for hard-to-place, high-risk, or unusual risks that standard admitted carriers will not write.