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Business & Commercial Insurance


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Builders Risk

Property insurance policy that is designed to cover property in the course of construction.

Business Owners Policy Package / Commercial Package

Combine protection from all major property and liability risks in one package. One package purchased by small and mid-sized businesses is the business owner’s policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.

Commercial Auto

Commercial auto insurance provides broad protection that can be important to many people, including Artisan Contractors, Lawn Care Services, and business owners. Many of the common types of personal car insurance coverage apply to commercial auto insurance, such as: Bodily injury liability, Property damage, Comprehensive, Collision, Medical payments, Personal injury protection (PIP), and Uninsured/underinsured motorist. As a commercial vehicle driver or owner, you may be required to carry some or all of these coverages. Even if you're not, it's still wise to consider having them. A solid commercial auto insurance plan can save you from a financial disaster, regardless of whether you're an independent contractor or the CEO of a multi-million dollar company.

Commercial Umbrella

Cover your business with commercial umbrella insurance. A business umbrella policy picks up where your business auto liability, general liability or other liability coverage stops. Umbrella insurance is an inexpensive way to provide extra coverage against bodily injury and/or property damage.

Cyber Liability/Data Breach

Most notably, but not exclusively, cyber and privacy policies cover a business' liability for a data breach in which the firm's customers' personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm's electronic network.

Directors/Officers Liability

(Often called D&O) is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers. Such coverage can extend to defense costs arising out of criminal and regulatory investigations/trials as well; in fact, often civil and criminal actions are brought against directors/officers simultaneously. Intentional illegal acts, however, are typically not covered under D&O policies.

General Liability

Commercial general liability (CGL) policy. A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.


An insurance policy for businesses and other organizations that insures against damage to their buildings and contents due to a covered cause of loss, such as a fire. The policy may also cover loss of income or increase in expenses that result from the property damage (PD).

Special Event

Today's busy lifestyles are filled with social gatherings from community festivals to car shows, conventions to weddings. If you organize family, business or community events, you know how much planning and effort is involved to make the occasion both safe and special for everyone. Even with the most careful planning, unexpected situations can arise that you might not be prepared for; make sure you have a policy in place to cover your event.

Worker's Compensation & Employer Liability

Provides coverage for an employer's two key exposures arising out of injuries sustained by employees. Part One of the policy covers the employer's statutory liabilities under workers compensation laws, and Part Two of the policy covers liability arising out of employees' work-related injuries that do not fall under the workers compensation statute.

Flood Insurance

According to FloodSmart.Gov, At least 25 percent of businesses that close after events, like a flood, never reopen. From 2010 to 2014, the average commercial flood claim amounted to nearly $89,000. Flood insurance is the best way to protect you from devastating financial loss.

Industries We Service

Don’t see your industry on the list? No worries! We have access to numerous carriers; chances are we can find a program to fit your needs!