Contractors & Trades
GL, tools & equipment, installation floater, contractor's pollution. Bondable carriers for projects that require it.
Insurance built for the way you actually run your business.
From sole proprietors to 50-employee shops — we put together coverage packages that protect your work, your team, and your bottom line, without paying for what you don't need.
Core Coverage
Start with a Business Owner's Policy. Layer the rest.
For most small businesses, a BOP bundles general liability + property in one cost-effective package. We add specialty coverages on top based on what you actually do.
- General Liability — bodily injury, property damage, advertising injury claims.
- Commercial Property — your building, equipment, inventory, fixtures.
- Business Interruption — replaces lost income if a covered loss shuts you down.
- Workers' Compensation — required in nearly every state once you have employees.
- Commercial Auto — for vehicles owned by or used for the business.
- Professional Liability (E&O) — for service providers: covers mistakes and missed deadlines.
By Industry
Coverage tuned to your trade.
Different industries have different exposures — and different carriers specialize in different niches. We know which markets fit which businesses.
Restaurants & Hospitality
Liquor liability, food spoilage, equipment breakdown, and proper liability for a high-foot-traffic operation.
Professional Services
Consultants, accountants, designers, IT — E&O is the must-have. Cyber liability now usually mandatory for client contracts.
Retail & eCommerce
Product liability, premises liability, and inventory coverage that scales with your seasonal swings.
Real Estate & Property
Landlord, multi-family, vacant property, builder's risk. We handle short-term rentals (Airbnb/VRBO) too.
Trucking & Transportation
Primary auto liability, motor truck cargo, non-trucking liability, physical damage. Owner-operators welcome.
Specialty Lines
Coverage you didn't know you needed (until you did).
Cyber Liability
Data breach response, ransomware, regulatory fines, business email compromise. Now required by many client contracts.
Employment Practices (EPLI)
Wrongful termination, harassment, discrimination claims. Cheap insurance vs. a $50K+ legal defense.
Directors & Officers (D&O)
Personal asset protection for directors and officers from claims of mismanagement. Essential if you have a board or investors.
Commercial Umbrella
$1M–$10M of liability above your underlying policies. The cheapest dollar of liability protection you'll ever buy.
Key Person & Business Life
Coverage if a critical owner or employee can't work. Often paired with buy-sell agreements for partnerships.
Employee Benefits
Group health, dental, vision, life, and disability — competitive group rates that help you attract and retain talent.
How We Work
A real partner, not just a policy seller.
Risk assessment
We sit down (in person, by Zoom, or by phone) to understand what you actually do — operations, employees, equipment, contracts, growth plans.
Multi-carrier shopping
We market your account to 5–10 carriers we know specialize in your industry. You get options, not a take-it-or-leave-it quote.
Recommendation & bind
We walk you through trade-offs, recommend the best fit, and bind same-day if needed. Certificates issued in hours, not days.
Ongoing service
Renewal reviews, certificate requests, claim advocacy, and proactive market re-shops as your business grows.