The Coverage Your Business Needs
The core commercial policies that keep your business protected — and how they fit together to cover your real-world risk.
Core
5 policiesGeneral Liability Insurance
Foundational protection for third-party bodily injury, property damage, and advertising injury claims.
Business Owners Policy
A bundled policy combining general liability and commercial property coverage for many small businesses.
Learn moreBusiness Auto Insurance
Liability and physical damage protection for vehicles used in business operations.
Learn moreWorkers Compensation Insurance
Coverage for employee work-related injuries and illnesses, often required by state law.
Learn moreCommercial Package Policy
A flexible policy combining multiple commercial coverages for larger or more complex businesses.
Learn moreLiability
6 policiesProfessional Liability Insurance
Protection against claims of professional error, omission, or negligent service.
Cyber Liability Insurance
Response and liability coverage for data breaches and cyber incidents.
Learn moreUmbrella / Excess Liability Insurance
Additional liability limits that sit above underlying policies.
Learn moreEmployment Practices Liability Insurance
Defense and liability coverage for employment-related claims such as discrimination or wrongful termination.
Learn moreDirectors & Officers Insurance
Protection for the personal liability of company directors and officers.
Learn moreProduct Liability Insurance
Coverage for claims arising from products that cause injury or damage.
Learn moreProperty & Equipment
4 policiesCommercial Property Insurance
Coverage for buildings, equipment, inventory, and fixtures against covered perils.
Inland Marine Insurance
Coverage for movable property, tools, and equipment in transit or off-premises.
Learn moreEquipment Breakdown Insurance
Protection against sudden mechanical or electrical breakdown of essential equipment.
Learn moreBuilders Risk Insurance
Coverage for buildings and structures during construction or renovation.
Learn moreSpecialty
6 policiesCrime Insurance
Coverage for losses from employee dishonesty, theft, forgery, and fraud.
Liquor Liability Insurance
Liability coverage for businesses that sell, serve, or furnish alcohol.
Learn moreEnvironmental Liability Insurance
Coverage for pollution conditions and environmental cleanup liability.
Learn moreGarage Liability Insurance
Specialized liability coverage for auto dealers, repair shops, and service garages.
Learn moreMotor Truck Cargo Insurance
Coverage for freight and cargo hauled by motor carriers.
Learn moreSurety Bonds
Guarantees of contractual or legal obligations, commonly required for contractors and licensees.
Learn moreNew to commercial insurance?
Our guides explain how each policy works together, and the cost estimator gives you an illustrative annual range for your industry.
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