BUSINESS INSURANCE

Business Owners Policy

Risk Examples:

• Store Fronts

• Offices

• Salon/Barber Shop

• Condo/Homeowners Associations

• Medical Office

• Computer Shop

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Key Coverages:

• Commercial Property

• General Liability

• Professional Liability

• Business Income

• Crime

• Cyber Liability

• Umbrella (Excess Liability) & More!

Contractors

Risk Examples:

• Landscaping & Lawn Care

• Construction/Excavating

• General Contracting or Carpentry

• HVAC

• Plumbing

• Electrical

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Key Coverages:

• Commercial Property

• General Liability

• Builder's Risk

• Contractor's Errors & Omissions

• Commercial Auto

• Contractor's Tools & Equipment

• Business Income

• Crime

• Cyber Liability

• Umbrella (Excess Liability) & More!

Garage

Risk Examples:

• Auto Repair or Body Shop

• Auto Dealer

• Recreational Vehicle Dealer (motorcycle, ATV, snowmobile)

• Equipment Dealer

• Marina/Boat Dealer

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Key Coverages:

• Commercial Propery

• Garage Liability

• Dealer Inventory Coverage

• Garagekeepers Coverage (Customer's Vehicle)

• Commercial Auto

• Mechanic's Errors & Omissions

• Business Income

• Crime

• Umbrella (Excess Liability) & More!

Education

Risk Examples:

• Public Schools (K-12)

• Private Schools

• ESC or Tech Center

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Key Coverages:

• Property

• General Liability

• Educator's Legal Liability

• Bus/Auto Liability & Physical Damage

• Flood & Earthquake

• Crime & Employee Dishonesty

• Cyber Liability

• Security Risk & More!

Golf Course

Risk Examples:

• Country Clubs

• Public Course

• Driving Range

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Key Coverages:

• Commercial Property

• Carts & Course Equipment Coverage

• Tee to Green Coverage

• Errant Ball Coverage

• General Liability

• Liquor Liability

• Commercial Auto

• Business Incom

• Crime

• Umbrella (Excess Liability) & More!

Manufacturing

Risk Examples:

• Machine Shops

• Paper, Printing, or Screen Printing

• Metal Fabrication

• Textiles & Apparel

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Key Coverages:

• Commercial Property

• General Liability

• Commercial Auto

• Professional Liability

• Equipment Breakdown

• Business Income

• Crime

• Cyber Liability

• Umbrella (Excess Liability) & More!

Hospitality

Risk Examples:

• Restaurants

• Hotels & Lodges

• Event Venues

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Key Coverages:

• Commercial Property

• General Liability

• Liquor Liability

• Food Spoilage

• Special Events

• Commercial Auto

• Business Income

• Crime

• Umbrella (Excess Liability) & More!

Lessor's Risk

Risk Examples:

• Rented/Leased Building

• Office Space

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Key Coverages:

• Commercial Property

• General Liability

• Business Income

• Crime

• Umbrella (Excess Liability) & More!