Commercial insurance, explained without the jargon.
Each page covers what the policy does, what it leaves out, what drives the price, and the specific place owners get caught. Start with the business owners policy if you are not sure where to begin.
Cyber Liability
Ransomware, data breaches, and wire fraud. The claim small businesses are now most likely to file.
Learn moreE&OProfessional Liability (E&O)
Claims that your advice, work, or service cost a client money. Excluded from every BOP and GL policy.
Learn moreUmbrellaCommercial Umbrella
Extra liability limits above your GL, auto, and employers liability, usually at a lower cost per dollar.
Learn moreBOPBusiness Owners Policy
Property, liability, and lost income bundled into one policy. The right starting point for most small businesses.
Learn moreGLGeneral Liability
Injury and property damage claims from customers, clients, and the public. The policy most contracts require.
Learn moreWorkers compWorkers Comp (Idaho)
Required for most Idaho employers from the first employee. Bought from private carriers or the State Insurance Fund.
Learn moreStop-gapWorkers Comp & Stop-Gap (WA)
Washington workers comp runs through L&I. Stop-gap covers the lawsuits L&I does not.
Learn moreEPLIEmployment Practices Liability
Wrongful termination, discrimination, harassment, and retaliation claims from employees and applicants.
Learn moreD&ODirectors & Officers
Personal protection for founders, directors, and officers when management decisions are challenged.
Learn morePropertyCommercial Property
Buildings, equipment, inventory, and improvements, valued at what it would really cost to replace.
Learn moreAdd-onsTools, Equipment & Business Income
Tools at job sites and in vehicles, equipment breakdown, and the income you lose while you rebuild.
Learn moreAutoCommercial Auto
Vehicles your business owns, plus liability when employees drive their own cars for work.
Learn moreFind out what your current policies actually cover.
Send us what you have. We review it line by line against your leases and contracts, and tell you plainly what is missing. Free, and no obligation.