Commercial Insurance Policies Built for Your Business

Choose the right coverage with help from real experts

Explore the Types of Business Insurance We Offer

Every business faces different risks. That’s why we offer a range of commercial insurance policies designed to protect your team, your assets, and your bottom line. Click below to learn more about each option.

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Health & Life

Group benefits help you retain employees and offer peace of mind.

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Business Property

Covers your buildings, inventory, and equipment from loss.

A woman is sitting at a desk in an office working on a project.

Professional Liability

Also called E&O, this covers mistakes, negligence claims, or professional disputes.

Answers to Common Business Insurance Questions

  • What types of commercial insurance does a small business usually need?

    Most small businesses need at least general liability insurance to protect against third-party injury or property damage. Depending on your industry, you may also need workers’ compensation, commercial auto, or professional liability insurance. If you have a physical location or equipment, business property coverage is also recommended.

  • Is workers’ compensation insurance required in New York, New Jersey, Connecticut, or Pennsylvania?

    Yes. All four states require employers to carry workers’ compensation insurance if they have one or more employees. Requirements may vary by state and business structure. We help you navigate each state's specific rules to stay compliant and avoid penalties.

  • What is the difference between general liability and professional liability insurance?

    General liability insurance covers claims related to bodily injury or property damage caused by your business. Professional liability, also known as errors and omissions (E&O) insurance, covers claims related to professional services, such as mistakes, missed deadlines, or bad advice. Many service-based businesses need both.

  • Can I bundle multiple commercial insurance policies together?

    Yes. Many insurance carriers offer bundled packages like a Business Owner’s Policy (BOP), which typically includes general liability and property insurance. Bundling can often reduce costs and simplify policy management. We can help compare bundled and stand-alone options to find what works best for you.

  • How do I know which policies are right for my business?

    The right coverage depends on your industry, location, number of employees, and day-to-day operations. We take time to understand your business and recommend only the policies you need, with no extras and no pressure. If your situation is more complex, we’re experienced in helping high-risk and hard-to-place businesses.

Not Sure Which Policy You Need?

Whether you're just starting out or managing multiple locations, we’ll help you choose the right coverage for your business. Our team specializes in making complex insurance simple, so you can get back to running your company with confidence.