Coverage

Every coverage, explained straight.

What each policy covers and who actually needs it. Every quote is reviewed by a licensed producer before it is final.

General liability

Third-party injury and property damage. What leases and contracts require first.

Who needs it: Every business that goes to a customer site or has one visit.

Employee injuries and wage replacement. The threshold is set by your state.

Who needs it: Anyone with employees — and often the helper you pay cash.

Liability plus property, bundled cheaper than buying the two separately.

Who needs it: A shop, office or premises with stock and equipment.

Errors and omissions — advice, missed deadlines, professional negligence.

Who needs it: Anyone paid for judgement rather than physical work.

Business-owned vehicles. Personal auto excludes work use entirely.

Who needs it: Any vehicle titled to the business or used on jobs.

Building, stock and equipment — read the wind and water deductibles closely.

Who needs it: Owned or leased premises, and tools stored there.

Breach response, invoice fraud, and state notification compliance.

Who needs it: Anyone holding customer data or paying invoices by email.

Extra limits for when a contract or a municipal bid demands more than your primary policy carries.

Who needs it: Subs on commercial or public work.