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Commercial lines

Coverage built around how the business actually runs.

Nobody needs all eight of these. What you need is decided by four or five facts about your operation — whether you run payroll, whether anything drives, what your contracts demand, whether you sell advice, and what data you hold. Start there and the policy list writes itself.

What we write for businesses

Matching coverage to the operation

Six facts about your business, and what each one obliges.

You have employees on payroll

Workers' compensation stops being optional at a headcount threshold set by your state, and it is priced off payroll: a rate per hundred dollars of payroll for each job classification, multiplied by your experience modifier. Two things follow from that. The classification codes on your policy matter more than the premium quoted at the start of the year, because the wrong code can be wrong by a factor of several. And the policy is audited after the term ends, so the number you pay is the number your actual payroll produced, not the estimate. Having employees at all also creates employment-practices exposure — the claims that come from hiring, firing, promoting, and managing people.

Anything with wheels moves for the business

If vehicles are titled to the business, they belong on a commercial auto policy rated by radius of operation, weight class, use, and the driving records of everyone who touches them. If your employees run errands, make deliveries, or drive to a job site in their own cars, that is a different exposure entirely — hired and non-owned auto — and it is the endorsement that keeps a claim from landing on an employee's personal policy and then on you. The coverage symbols printed on a commercial auto declarations page decide which of those apply, and a wrong symbol is one of the most common ways a business discovers a gap during a claim.

You sign contracts, leases, or subcontracts

Once someone else's paperwork is involved, the contract sets your insurance requirements, not your comfort level. General contractors, landlords, and larger customers routinely require specific limits, additional insured status for both ongoing and completed operations, primary and non-contributory wording, and a waiver of subrogation. Those are endorsements that have to exist on the policy — a certificate of insurance is only evidence, it does not grant coverage. Send us the insurance exhibit before you sign it. It is much cheaper to price the requirement than to discover mid-project that your policy cannot produce the certificate you already promised.

You give advice or deliver a professional service

General liability responds to bodily injury and property damage. It does not respond to a claim that your work was wrong. Design, accounting, consulting, IT, staffing, real estate, medical and allied health — anywhere the product is judgement — the exposure is professional liability, and it is almost always written on a claims-made form. That changes how you have to think about it: what matters is when the claim is made against you, not when the work was done, which makes the retroactive date and the tail options the two most important items on the policy.

You hold customer data or move money by email

Cyber coverage has quietly become a payroll-and-banking line rather than a technology one. The losses that actually hit small businesses are not sophisticated intrusions; they are a spoofed email that redirects a wire, a compromised mailbox that invoices your customers, and ransomware that arrives through an unpatched remote-access tool. Carriers now underwrite on controls — multi-factor authentication on email and remote access, tested backups, endpoint protection — and the application answers function as warranties. Answering optimistically to get a better rate is how a claim gets rescinded.

You own or lease space, inventory, or equipment

Property coverage is straightforward until the business stops. The piece owners consistently underbuy is business income: the coverage that replaces lost net profit and continuing expenses while you are shut down, for the period it actually takes to restore operations. Estimating that period honestly — permitting, contractors, lead times on equipment, the season you would lose — is the whole exercise. For most small operations property, general liability, and business income are bundled into a business owner's policy, which is cheaper than the parts but has eligibility limits by class and size.

The part that catches people out

Commercial premiums are estimates until they are audited.

Workers' compensation, general liability, and most business owner's policies are rated on payroll or receipts. At the start of the term you give the carrier an estimate; after the term ends the carrier audits the real figures and issues an additional premium or a return. A good year is therefore also an audit bill, and it should not be a surprise.

Two habits make that painless. Tell us when the business changes shape mid-term — a new location, a new service line, a first employee, a truck — so we can endorse the policy instead of reconstructing it at audit. And collect certificates of insurance from every subcontractor you use, because uninsured subs are picked up as your payroll when the auditor arrives.

Bring us the renewal you were about to sign.

Send the current declarations pages, your loss runs, and any insurance requirements from a contract you are working under. We will tell you what is missing, what is duplicated, and what your contracts require that your policies do not currently produce.

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Coverage cannot be bound through this website. A quote request is not an application, and no coverage exists until a carrier issues a policy and confirms the effective date in writing.