Commercial insurance built around real business exposures.
From employee injuries and property losses to customer claims and vehicle accidents, the right insurance program begins with an accurate understanding of your operation.
Protect employees—and help protect the business.
Workers’ Compensation insurance generally addresses work-related injuries and occupational illnesses, subject to policy terms and applicable law. A strong program also depends on accurate payroll and classification data, sound hiring and training practices, claim reporting, return-to-work planning, and attention to loss trends.
Coverage discussion
- Employee classifications and payroll
- Ownership and officer details
- Subcontractor and certificate practices
- Prior losses and open claims
Risk-control discussion
- Training and written programs
- Accident investigation
- Corrective action follow-through
- Return-to-work opportunities
Protect the physical assets that keep your company operating.
Commercial Property coverage may address buildings, tenant improvements, equipment, inventory, business personal property, and other scheduled assets. Business income and extra expense coverage can also be important when a covered loss interrupts operations.
- Buildings, structures, and improvements
- Equipment, machinery, stock, and business personal property
- Business income and extra expense considerations
- Equipment breakdown, spoilage, and other specialized exposures
- Valuation, limits, deductibles, and protective safeguards
Prepare for claims involving customers, the public, and your operations.
Commercial General Liability insurance can respond to certain claims involving bodily injury, property damage, personal and advertising injury, and completed operations, subject to the policy. Contracts, additional insured requirements, and certificates of insurance should be reviewed carefully.
- Premises and operations exposure
- Products and completed operations
- Contractual requirements
- Additional insured and waiver requests
- Umbrella or excess liability needs
Coverage for vehicles, drivers, and the road ahead.
Commercial auto programs may include liability, physical damage, uninsured or underinsured motorist coverage, hired and non-owned auto, and other options. Driver selection, vehicle use, radius of operation, maintenance, telematics, and loss history can affect underwriting and pricing.
- Owned autos and scheduled vehicles
- Hired and non-owned auto exposure
- Driver eligibility and motor vehicle records
- Vehicle use, garaging, and operating radius
- Fleet safety and accident response practices
Other protection may be needed.
Depending on the business, the insurance program may also need to consider umbrella or excess liability, inland marine, crime, cyber liability, employment practices liability, professional liability, bonds, and other specialized coverage.
Your renewal deserves more than a last-minute quote.
Beginning early creates more time to verify information, obtain loss runs, address underwriting questions, and consider available options.