Business Insurance
Business insurance for companies that want a local advisor.
A one-page online policy is rarely enough once you have employees, a storefront, tools, vehicles, or a contract that asks for certificates. We work with small and growing businesses in and around Lewis Center to build practical coverage — then shop it with independent carriers.
Common Coverage
- Common coverage
- General liability (GL)
- Commercial property
- Business Owners Policy (BOP)
- Commercial auto
- Cyber liability
Who this is for
Contractors, professional offices, retailers, landlords, restaurants, and service businesses that need certificates, clearer limits, or a second look at what they already have.
Business process
Tell us what you do, where you work, and what contracts require. We identify the real exposures, compare markets, and put the program in language you can explain to a partner or lender.
Contractors Insurance
General liability, tools, vehicles, and the additional-insured wording most jobs require. Send the contract — we’ll match the certificate to it. Surety bonds are available when a bid or project asks for one.
Business Owners (BOP)
A BOP packages general liability and business property into one policy when the operation fits — typically smaller offices, shops, and service businesses that don’t need a custom commercial program.
Professional Liability
You don’t have to be wrong. Someone only has to claim you were. Professional liability (errors & omissions) helps cover defense and damages when a client says your advice, design, or service caused a financial loss. It’s the coverage offices, consultants, and licensed professionals get asked for on contracts — and the one a basic general-liability policy usually does not replace.
Commercial Buildings
Helping landlords and commercial real estate investors insure their buildings and habitation risks. We will get you the coverage you need.
Cyber liability
Cyber coverage helps when client or employee data is stolen, a system is locked by ransomware, or a business email scam drains an account — including the cost to investigate, notify, and recover.
Commercial Auto
Coverage for vehicles used for work — owned units, fleets, and hired/non-owned when employees drive their own cars on the job. We shop the market so work driving isn’t left on a personal policy.
Directors and officers (D&O)
If someone claims leadership mismanaged money or made a bad decision, the fight is often about legal bills first — and who pays them.
D&O can help cover defense costs and settlements when directors or officers are named personally. If an officer has to pay out of pocket, the policy may reimburse that person. If the company indemnifies them, it can help the company recover those costs so one claim doesn’t drain the operating account.
This is not a substitute for crime coverage or a guarantee that every allegation is covered. We’ll look at how the organization is set up and what the bylaws already require.
Employment practices liability (EPLI)
EPLI helps when an employee or former employee alleges discrimination, harassment, wrongful termination, or similar workplace claims. General liability usually does not cover those suits. If you have employees or managers, this is the coverage that pays to defend the allegation — and, when the policy applies, to settle it — so one personnel dispute doesn’t become an uninsured legal bill.
Ready to See What an Independent Agency Can Do for You?
Let us review your current insurance and compare your options.