Commercial Insurance

Independent broker. Build a program around how you actually operate—clear coverage, the right limits, and endorsements dialed to your contracts.

🛡️Liability 🏬Property 🧩Key endorsements
📘 Core coverages we broker
  • General Liability — bodily injury, property damage, personal & advertising injury.
  • Commercial Property — building, improvements, inventory, equipment, contents.
  • Business Income — helps replace income/extra expense after a covered loss.
🧩 Key endorsements & add-ons
  • Equipment breakdown (mechanical/electrical failure).
  • Cyber & data compromise (first-party and liability options).
  • Crime (employee dishonesty, theft/forgery, funds transfer).
  • Inland marine (tools & equipment, property in transit, contractors gear).
  • Signs, outdoor property, and off-premises coverage.
  • Hired & non-owned auto (if employees drive personal or rented vehicles).
  • EPLI (employment practices) and professional liability when relevant.
📏 Right-sizing limits & deductibles

We’ll show side-by-side options for GL limits, property valuations, BI (ALS vs. months limit), and deductibles—so you’re covered without overspending.

⏳ How fast can we bind coverage?

For straightforward classes, often within a few days once we have operations, locations, revenue/payroll, and any contract requirements.

📦 Multiple locations or mobile equipment?

We’ll schedule locations and use inland marine for property that travels. Inventory/equipment lists help us quote precisely.

☂️ Do we need an umbrella?

Large contracts may require higher limits. We’ll price umbrella layers and confirm underlying requirements.

Ready to build your commercial program?

Send your operations summary, addresses, property/equipment ballpark, and any contract or lease wording. We’ll compare multiple carriers for you.

Discuss commercial insurance