Business insurance
Your business is part of your legacy.
Let's help protect the work, property, people, and responsibility behind it—with coverage explained in language you can act on.
Who we work with
Small businesses with understandable operations
These are examples of operations we are often able to discuss. Eligibility is always determined by the carrier's appetite and underwriting—we never promise acceptance.
- Lawn care and landscaping
- Janitorial and cleaning services
- Small retail shops
- Contractors within carrier appetite
- Churches and faith organizations
- Rental-property owners
- Professional-service firms
General Liability
Foundational coverage for third-party bodily injury and property damage claims.
General liability generally responds to covered claims of third-party bodily injury, property damage, and certain personal and advertising injury arising from your operations.
What we will review with you
- Operations, premises, and products exposure
- Occurrence and aggregate limits
- Additional insured and certificate requirements
Who may need it: Service businesses, contractors, retailers, and anyone whose customers or clients require proof of coverage.
Start a business requestBusiness Owners Policy (BOP)
A packaged policy that combines liability with business property coverage.
A BOP generally packages general liability and commercial property coverage, and often includes business income coverage, for eligible small businesses.
What we will review with you
- Property limits for building, contents, and equipment
- Business income and extra expense
- Eligibility rules that vary by carrier and class
Who may need it: Eligible small offices, retailers, and service businesses.
Start a business requestCommercial Property
Coverage for the buildings, equipment, inventory, and tools you rely on.
Commercial property generally covers direct physical loss to covered business property, with options for equipment, signs, and tenant improvements.
What we will review with you
- Replacement cost vs. actual cash value
- Coinsurance and valuation
- Equipment breakdown and inland marine needs
Who may need it: Businesses that own or lease space, equipment, or inventory.
Start a business requestCommercial Auto
Protection for vehicles, drivers, and trailers used in your business.
Commercial auto generally covers liability and physical damage for owned business vehicles, with options for hired and non-owned auto exposure.
What we will review with you
- Vehicle schedule and driver list
- Hired and non-owned auto coverage
- Trailers, attached equipment, and cargo
Who may need it: Contractors, lawn-care and cleaning companies, delivery operations, and any business with work vehicles.
Start a business requestWorkers' Compensation
Coverage for work-related employee injuries and the employer liability that follows.
Workers' compensation generally pays medical costs and a portion of lost wages for covered work-related injuries, subject to state rules.
What we will review with you
- Payroll by class code and state requirements
- Owner and officer inclusion or exclusion
- Return-to-work and safety practices
Who may need it: Businesses with employees, subject to Alabama requirements.
Start a business requestCommercial Umbrella
Additional liability limits above your qualifying business policies.
A commercial umbrella generally provides limits above scheduled underlying liability policies once those limits are exhausted.
What we will review with you
- Required underlying limits
- Contract and lease requirements
- Fleet size and job-site exposure
Who may need it: Businesses with contracts, fleets, or public exposure that exceed primary limits.
Start a business requestCyber Liability
Response coverage for data incidents, ransomware demands, and notification duties.
Cyber policies generally help with breach response costs, liability claims, and—depending on the policy—extortion and business interruption from a cyber event.
What we will review with you
- Data you store and how payments are processed
- First-party vs. third-party coverage
- Multi-factor authentication and backup practices
Who may need it: Any business that stores customer data, takes electronic payments, or depends on email and software.
Start a business requestProfessional Liability
Coverage for claims that your professional advice or services caused a financial loss.
Professional liability, also called errors and omissions, generally responds to covered claims alleging negligent professional acts, errors, or omissions.
What we will review with you
- Claims-made forms and retroactive dates
- Defense costs inside or outside the limit
- Contractual requirements from clients
Who may need it: Consultants, bookkeepers, real estate and design professionals, and service firms that advise clients.
Start a business request
Practical advice
We ask about your operations before we quote.
Payroll, vehicles, subcontractors, contracts, certificates, and the property you depend on all shape the right structure. A quick conversation prevents a coverage surprise later.
Let's protect the business you're building.
Share a few non-sensitive details about your operations and we will tell you the next step.