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General liability insurance may help with certain claims that your business caused bodily injury, property damage, or personal and advertising injury.

What might a claim look like?

A customer alleges they were injured at your business, or your work accidentally damages someone else's property. Whether a claim is covered depends on the circumstances and policy.

Important limitations

It is not a substitute for workers' compensation, professional liability, commercial auto, or insurance for your own business property.

What should we review?

Your operations, job locations, subcontractor use, contract requirements, limits, and exclusions.

Discuss business coverage →

A Business Owner's Policy, often called a BOP, typically combines general liability, commercial property, and business income coverage for eligible businesses.

Who might consider it?

A qualifying business with a location, equipment, inventory, or other property exposures that also needs liability protection.

Important limitations

A BOP does not cover every business exposure. Professional liability, workers' compensation, and commercial auto generally require separate coverage. Eligibility and included protections vary.

What should we review?

Your operations, property values, locations, income exposure, deductibles, and optional coverages.

Explore a business package →

Commercial property insurance may help repair or replace covered business property damaged by a covered cause of loss.

What property should we discuss?

Buildings you own, business equipment, furniture, inventory, and improvements you make to rented space.

Important limitations

Not every cause of damage is covered. Flood, equipment breakdown, property in transit, and tools used away from your location may require separate coverage or endorsements.

What should we review?

Property values, construction, occupancy, locations, covered causes of loss, valuation terms, and deductibles.

Review business property →

Workers' compensation provides benefits for covered work-related injuries and illnesses, which may include medical treatment and a portion of lost wages.

What should we discuss?

The work your employees perform, payroll, business locations, subcontractors, and any applicable exemptions.

Important limitations

Requirements depend on the state, industry, and circumstances. Do not assume that calling a worker an independent contractor removes an insurance obligation.

Preparing for a review

Have a description of your operations, employee duties, estimated payroll, and current policy ready. Your agent will explain how to provide any sensitive records securely.

Discuss workers' compensation →

Professional liability, also called errors and omissions insurance, may help with claims alleging mistakes, negligence, or omissions in covered professional services.

Who might consider it?

Businesses that provide advice, professional expertise, or specialized services.

Important limitations

General liability does not replace this coverage. Reporting deadlines, retroactive dates, exclusions, and claims-made provisions can be especially important.

What should we review?

The services you provide, client contracts, prior coverage, and any known claims or circumstances.

Review professional liability →

Commercial auto insurance addresses covered vehicle exposures associated with your business. Selected coverages may include liability and physical damage.

What should we discuss?

Who owns the vehicles, who drives them, how they are used, where they travel, and whether employees use personal vehicles for business.

Important limitations

Coverage for rented vehicles or employees' personal vehicles should not be assumed. Hired and non-owned auto coverage may need separate consideration.

Preparing for a review

Gather your vehicle list, business-use descriptions, driver information, and current coverage details. Do not submit driver's license numbers in the website form.

Review business vehicles →

Cyber insurance may help with selected costs and liabilities arising from covered data breaches and other cyber incidents.

What may be included?

Depending on the policy, coverage may address incident response, notification, data recovery, business interruption, or third-party claims.

Important limitations

Not every cyber event or fraudulent payment is covered. Social engineering, funds transfer fraud, security requirements, and reporting conditions need specific review.

What should we discuss?

The information you store, payment procedures, security controls, backups, and reliance on technology.

Discuss cyber coverage →

These policies can provide additional liability limits above specified underlying policies for covered claims.

Why review it?

A large claim or a contract requirement may call for higher limits than your primary policies provide.

Important limitations

Umbrella and excess policies are not interchangeable. They do not automatically sit above every policy or cover every exclusion in your underlying insurance.

What should we review?

Required limits, underlying policies, exclusions, attachment points, and contract requirements.

Discuss additional liability limits →

Homeowners insurance generally combines protection for your home and belongings with personal liability coverage, subject to the policy.

What should we review?

The home's features and condition, rebuilding costs, roof information, occupancy, belongings, deductibles, and optional coverage.

Important limitations

Flood is generally not covered by homeowners insurance. Wind, water damage, valuable belongings, and other exposures require careful review of policy terms.

Discuss homeowners coverage →

Condo and renters policies can protect belongings and provide personal liability coverage, but they address different property responsibilities.

For condo owners

Review the association's governing documents and master insurance policy to understand which parts of the unit you are responsible for insuring.

For renters

Do not assume the landlord's insurance protects your belongings or your personal liability.

What should we discuss?

Personal property values, improvements, liability limits, additional living expenses, and relevant lease or association requirements.

Review protection for your space →

An auto policy can combine several coverages. Liability, personal injury protection, uninsured motorist coverage, collision, and comprehensive coverage address different exposures.

What should we review?

Drivers, vehicles, garaging addresses, vehicle use, limits, deductibles, and any lender requirements.

Important limitations

"Full coverage" is not a precise policy description. Ask which coverages are included. Business use, deliveries, and rideshare activities may require special attention.

Discuss auto coverage →

Personal umbrella insurance can provide additional liability protection above specified underlying policies for covered claims.

What should we review?

Household drivers, homes, vehicles, recreational exposures, underlying limits, and any required supporting policies.

Important limitations

It is not insurance for damage to your own home or vehicle. Business activities and other exposures may be excluded. Required underlying limits must be maintained.

Ask about umbrella protection →

Flood insurance addresses covered flood damage. Most homeowners insurance does not cover flooding, and flood exposure is not limited to properties in designated high-risk areas.

What should we review?

Building and contents coverage, property use, limits, deductibles, available programs, and lender requirements.

Important limitations

Waiting periods may apply. Building and contents protection are distinct, and not all losses or expenses are covered. Do not wait until a storm is approaching to ask about options.

Discuss flood insurance →

A certificate of insurance summarizes information about specified insurance policies. It does not itself create coverage or change the policy.

What should you send?

• Your business name and policy information.
• The certificate holder's exact name and address.
• The project or job description and deadline.
• Any written insurance requirements for review.

How quickly can it be processed?

Same-day processing is available for eligible requests on active policies received during business hours. Requests requiring policy changes, endorsements, or carrier approval may take longer.

Request a certificate →

Renewal is an opportunity to review your information, discuss changes, and compare available coverage and pricing before the next policy term.

What do we check?

• Locations and mailing addresses.
• Primary contacts, phone numbers, and email addresses.
• Changes to operations, property, vehicles, or drivers.
• Limits, deductibles, and relevant policy terms.
• Available options through insurers we work with.

Why not focus only on price?

A lower premium can come with different limits, deductibles, exclusions, or conditions. We help you compare the differences, not just the total.

Request a renewal review →

Start with what you want to protect, your current coverage, and any changes since your last review.

Helpful information

• Your current policy and renewal date.
• A description of your business or personal needs.
• Relevant locations, vehicles, or property changes.
• Contract or lender requirements, if applicable.
• Your questions and priorities.

Keep sensitive information secure

Do not use the website inquiry form or ordinary email to send Social Security numbers, payment information, medical details, or other sensitive records. Ask how to provide them securely.

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