Property & Casualty insurance protects businesses from financial loss due to property damage (such as fire, theft, or natural disasters) and liability claims (such as injuries or negligence).
We work with a wide range of industries, including retail, hospitality, contractors, manufacturers, real estate, restaurants, professional services, and more.
Yes. Property coverage protects your physical assets, while liability coverage protects your business against claims of negligence or injury. Most businesses need both.
It typically covers your building, office equipment, inventory, furniture, and other physical assets against risks like fire, theft, vandalism, and some natural disasters.
Not usually. Flood and earthquake coverage must be purchased as separate policies or endorsements.
Leased items can be covered, but it depends on the terms of your policy. Be sure to disclose all leased or rented equipment when applying.
It protects your business from third-party claims involving bodily injury, property damage, and personal or advertising injury.
General Liability covers physical risks, while Professional Liability (also known as Errors & Omissions) covers claims related to professional services or advice.
Yes. Umbrella policies provide additional liability limits beyond your standard coverage, offering extra protection against large claims.
Coverage needs vary based on your industry, size, assets, and risk exposure. We offer customized risk assessments to help determine the right coverage levels.
You can file a claim by contacting us directly or calling your insurance carrier’s claims line. We assist our clients throughout the entire claims process.
This varies by claim type and complexity, but we strive to expedite the process and keep you informed every step of the way.
Premiums are based on factors such as your business type, size, location, claims history, coverage limits, and risk profile.
Yes. Many businesses save money by bundling property, liability, and other coverages into a Business Owner’s Policy (BOP) or custom package.
Most commercial policies renew annually. We’ll notify you well in advance of your renewal date and review your coverage needs before each renewal.
Yes. We provide proactive risk assessments and help implement strategies to reduce exposure and minimize claims.
Absolutely. We issue COIs quickly and accurately—same-day service is often available.
Yes. We help new businesses identify risks and secure the right coverage from day one.
You can request a quote by calling us, visiting our website, or scheduling an in-person consultation. We’ll gather basic business information to get started.
We combine industry expertise, personalized service, and access to top-rated carriers to deliver the right coverage at competitive rates. Your success and protection are our priority.
