Commercial Insurance — built around what you actually do.
Commercial insurance isn’t one product — it’s a stack of coverages assembled around your operations, your contracts, and your state. As a multi-state independent agency, we shop multiple carriers and build that stack trade by trade: the general liability your clients require, the workers comp your state mandates, the auto policy your trucks legally need, and the certificates that keep your contracts moving.
The core commercial coverages
Nearly every business builds from these six. Each links to a plain-English definition in our Insurance Wiki.
⚖️ General Liability
Third-party injury and property damage — the policy every contract and landlord requires first.
👷 Workers’ Compensation
Required in most states once you have employees; priced by class code and payroll.
🚚 Commercial Auto
Personal auto excludes business use — work vehicles need their own policy.
🎒 BOP / Property
Liability + property + business income bundled for small businesses.
🧠 Professional Liability
When your advice or work product causes a financial loss — the E&O side.
🖥️ Cyber
Breach response, ransomware, and the liability that follows — increasingly demanded in contracts.
Contractor & trade insurance
Trades are priced by classification, so generic quotes get them wrong. Every trade below has a full coverage guide, a real-world cost guide, and the class codes behind the rate — or start at the contractor hub.
Roofing
Electricians
HVAC & Plumbing
Painters
Pressure Washing
Tree Service
Concrete
Excavation
Landscaping
Snow Removal
Pool Builders & Service
Flooring
Framing
Handyman
General Contractors
Industry-specific coverage
Beyond the construction trades, we build programs for the businesses that don’t fit a generic application.
Food Truck Insurance · Cleaning Business Insurance · Handyman Insurance · Auto Mechanic Insurance · Landscaping Insurance · Pressure Washing Insurance · Mobile Bartender Insurance · DJ Insurance · Photographer Insurance · Consultant Insurance · Towing Insurance · Box Truck Insurance · Short-Term Rental Insurance · Event Vendor Insurance · Roofing Insurance · Electrician Insurance · HVAC & Plumbing Insurance · Painter Insurance · Tree Service Insurance · Concrete Contractor Insurance · Excavation Insurance · Snow Removal Insurance · Pool Contractor Insurance · Flooring Contractor Insurance · Framing Contractor Insurance · General Contractor Insurance
Contracts, certificates & codes
📜 COI — fast
A contract is waiting on your certificate? Same-day COIs with the endorsements the contract actually lists.
➕ COI vs. Additional Insured
They are not the same thing — and mixing them up is the most expensive paperwork mistake in contracting.
🗂️ Class Code Library
The WC, GL, NAICS, and SIC codes that price your policy — explained in plain English.
Local commercial coverage
Business Insurance in Norfolk, VA · Nevada · Arizona · All five states — talk to a local agent
How we build a commercial program
1 · Classify correctly
Your operations map to specific class codes — get them right and you stop overpaying (and stop fearing the audit).
2 · Match the contracts
We read your leases and contracts so limits, additional insureds, and waivers match what you actually signed.
3 · Shop the market
Independent means we quote multiple carriers — including the specialty markets for hard-to-place work.
Tell us what your business does.
Two minutes gets you routed to the right coverage — or straight to a licensed agent.
Find my coverage → Talk to an agent