Protect Your Business — Before a Claim Does the Damage
15 commercial coverage types from 70+ A-rated carriers. Same-day coverage and COIs available. Tailored to your industry, your size, and the specific risk on your desk right now.
Yes. Your homeowners policy does not cover business equipment, liability from clients visiting your home, or professional errors. A home-based business policy or BOP can close those gaps affordably.
A Business Owner's Policy (BOP) bundles general liability and commercial property into one package, often at a lower cost than buying both separately. It's a smart starting point for most small businesses.
In most states, yes — if you have one or more employees. Requirements vary by state and industry. We'll confirm exactly what's required where you operate and find the most cost-effective option.
Coverage needs depend on revenue, number of employees, physical assets, contract requirements, and industry risk. Your advisor walks through a risk assessment to make sure there are no dangerous gaps.
Yes. Once your policy is in place, we can issue a certificate of insurance — often the same day — for contracts, vendors, or landlords that require proof of coverage.
Same-day coverage available
Don't Wait Until a Claim to Find Out You're Not Covered
A licensed business advisor will assess your risks, recommend the right coverage, and get you insured — often the same day.
Required for identity verification on your policy.
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Your phone number
Business identity
This appears on your policy and binding documents.
The legal name is your business's incorporation name, or your legal name if the business is just you. Doing Business As (DBA) is the name you use to market your business.
Primary Location Address
This is the main location your business operates in.
Is your mailing address the same as your business address?
Mailing address
About your ownership structure
What best describes your business's ownership structure?
What year did you start your business?
About your locations
Does your business have any permanent office locations outside of your primary state? Not including home-based locations, projects or job sites.
About your team
Describe your operations
A brief description of what your business does — this helps us classify risk accurately.
Financial profile
Used for rating — all figures are estimates.
Excludes owners and subcontractors. Full-time, part-time, and temporary employees.
Insurance history
Tell us about your coverage over the last 3–5 years.
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Loss & claims history
Been convicted of a felony in the past 5 years?
Declared bankruptcy in the past 3 years?
Had business-related lawsuits, mediations, or arbitrations filed against them?
Become aware of any losses, accidents, or circumstances that might give rise to a claim?
If claims exist, carriers will require 3–5 years of loss runs directly from prior carriers. Your agent will help request them.
When would you like coverage to start?
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Safety & compliance
Check all that your operation has in place — these often earn credit.
Tell us about your commercial vehicles
Example: "Local delivery of HVAC parts within 50-mile radius"
About your garage operation
Revenue breakdown
Approximate annual revenue by operation. Totals help us classify correctly.
About the premises
Customer & vehicle exposure
Trucking authority
Required for for-hire and most interstate operations.
Filing requirements
Required proof of insurance filings for trucking operations.
About you (for auto rating)
Insurers use this to quote the owner as a driver.
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Vehicle details
Add each vehicle you'd like covered. You can add more later with your agent.
Driver information
Add everyone who will drive company vehicles, including owners and employees.
Driving history
Across all drivers on the policy.
Commodities hauled
Routes & territory
Garagekeepers coverage
Covers damage to customer vehicles in your care, custody, and control. This is critical for garage operations.
Dealership specifics
Additional detail needed for dealership operations.
Current auto insurance
Additional requirements
Clients, lienholders, or other parties who need to be named on your policy.
Liability coverage
Deductibles & additional coverage
Trucking-specific coverages
Common add-on coverages for trucking operations.
Optional coverages
Select any you'd like quoted alongside.
Communication preferences
How would you like to receive policy documents?
Review & sign
Acknowledge the terms and sign to submit your quote request. Your agent will verify details before binding coverage.
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