Commercial & Business Insurance

Finding the right policies to fit your needs doesn’t have to be difficult. We offer BOPs, which helps you customize whatever insurance policies you may need, in one convenient package.


Commercial and Industrial property insurance protects the property from natural disasters, fires, and theft. This type of insurance is for property that is used exclusively for business purposes. For example, Commercial Real Estate like restaurants, gas stations, shopping malls, and office buildings would all need this type of coverage. Like Personal Insurance policies, there is a wide range of coverage available to fit the needs of your business.

For any Business Property Insurance questions, please contact us directly at 866-281-LIFE (5433).


Business Liability coverages allow for protection from a variety of claims including property damage, bodily or personal injury and more that may occur from your business operations. This type of coverage protects the company’s assets and pays for any legal obligations such as medical costs accumulated by the injured. Business Liability Insurance also covers claims against misleading/false advertising, slander and copyright infringements.

For any Business Liability Insurance questions, please contact us directly at 866-281-LIFE (5433).

Business Auto

Business Auto Insurance is much like a Personal Auto Policy except it covers vehicles that are used for business purposes. This could mean, visiting properties, delivering important business documents, or even lunch meetings with clients. However, if the you or an employee are using your personal vehicle for these types of operations, your personal auto policy usually does not cover any business-related damages. We can help you determine which type of coverage would be best for you.

For any Business Auto Insurance questions, please contact us directly at 866-281-LIFE (5433).

Workers Compensation

Workers Compensation is required in most states and protects you from possibly being sued by employees or their family members if an accident was to occur while on the job. Without Workers Compensation benefits, you can be held liable for the medical care for a work-related injury/illness and even lost wages while the employee is recovering.

The laws for Workers Compensation vary by state but some may require business partners be covered as well. We will work with you to find the best option for you and your company.

For any Workers Compensation questions, please contact us directly at 866-281-LIFE (5433).


An Umbrella Policy is intended to increase the liability protection over the liability limits of your primary policy. When your primary policy is exhausted, this policy will aid in additional protection up to the limit of the Umbrella Policy. This type of insurance is a great option for those who may have a lot of assets or expensive assets and are at risk of being sued. Much like an Umbrella Policy for Personal, this covers your business needs.

For any Business Umbrella Insurance questions, please contact us directly at 866-281-LIFE (5433).

Errors & Omissions

Errors & Omissions (E&O) is a type of professional liability insurance that protects companies, their employees, and other professionals against claims of inadequate work or negligent actions. This type of insurance is commonly required for professional advice-giving or service-providing businesses.

Professional Liability insurance is known by many different names depending on the profession, E&O is used by insurance agents, consultants, brokers and lawyers. Medical doctors have professional liability insurance commonly known as medical malpractice.

For any E&O questions, please contact us directly at 866-281-LIFE (5433).

Surety Bond

A Surety bond is a three-party agreement that legally binds together a principal- who needs the bond, an obligee- who requires the bond, and a surety company- who sells the bond. This bond ensures that the principal will act accordance with certain law and if it fails to do so, the bond will cover the cost of damages and or losses. 

The principal will pay a premium in exchange for the bonding company’s financial strength to extend surety credit. These bonds protect consumers and government entities from fraud and malpractice.

For any Surety bond questions, please contact us directly at 866-281-LIFE (5433).