Business Insurance
General liability, commercial property, workers' compensation, professional indemnity and cyber cover for small and growing businesses.
1,400+
Businesses we protect
12+
Lines available
Same day
COI turnaround
19%
Average premium saving after review
Cover that fits your life, explained properly
One customer slipping on an icy step, one delivery driver rear-ending a client, one laptop stolen from a car boot — any of these can cost a small business more than its annual profit. Commercial insurance exists to make sure a bad day stays a bad day rather than becoming the end of the company. Most landlords, clients and general contractors also require proof of cover before they will sign anything, so it is often a commercial necessity rather than a choice.
We build programmes around what your business actually does: a bakery needs product liability and spoilage cover, a contractor needs inland marine and completed-operations, a consultancy needs professional liability and cyber, a shop needs premises liability and business interruption. Buying the wrong shape of cover is more common than buying too little, and it is usually invisible until a claim is denied.
Our commercial team reviews your operations, contracts and payroll, then quotes your programme across several carriers. We also review your contracts' insurance requirements — indemnity clauses, additional insured wording and waiver of subrogation — so you are not signing obligations your policy will not meet.
The commercial lines we arrange
A summary of what a well-built policy includes. Exact limits, sub-limits and endorsements are set out in your written quote and in the carrier's policy wording.
General liability
Third-party bodily injury, property damage, personal and advertising injury — the foundation of every commercial programme.
Commercial property
Buildings, stock, equipment, furniture and inventory against fire, theft, wind, hail, vandalism and water damage.
Business interruption
Lost net income, continuing payroll and extra expense while you are closed after a covered property loss.
Workers' compensation
Statutory cover for employee medical costs and lost wages after a work-related injury, plus employer's liability.
Commercial auto
Liability, collision and comprehensive for owned, hired and non-owned vehicles used for business.
Professional liability / E&O
Defence and damages for claims of negligence, errors, missed deadlines or poor advice in your professional services.
Cyber & data breach
Breach response, forensics, customer notification, credit monitoring, ransomware negotiation, business email compromise and regulatory fines.
Tools, inland marine & equipment breakdown
Contractor tools and stock in transit, plus sudden mechanical or electrical failure of machinery and HVAC.
Typical commercial exclusions
Most denied claims fail because of an exclusion the policyholder never read. These are the ones that matter most on business insurance policies.
- Employee dishonesty and theft by staff — requires a separate crime or fidelity policy.
- Professional advice errors under a general liability policy — you need professional liability/E&O for that.
- Flood, earthquake and sewer backup on standard property forms; these need endorsements or separate policies.
- Wear and tear, gradual deterioration, mould from long-term neglect, and mechanical breakdown without an equipment endorsement.
- Work performed by uninsured subcontractors, and contractual liability you accept beyond what the policy allows.
- Known claims, prior acts before the retroactive date, and intentional or criminal acts.
How we prevent surprises
- We walk you through the exclusions before you buy, not after a claim.
- We add endorsements where a gap can be closed for a few dollars a month.
- You receive the full policy wording and declarations page by email on day one.
- Your claims advocate reviews any settlement offer with you before you accept it.
Request your business insurance quote
Takes under two minutes. An advisor replies within one business day with a written comparison.
Secure form. We never sell your details.
Common business insurance bundles
Every family and business is different. These levels show the shape of what we build; your quote is tailored and priced from your own details.
BOP Starter
- $1M / $2M general liability
- $100k business property
- Business interruption — 12 months
- Products & completed operations
- Workers' compensation
- Cyber liability
- Ideal for shops, cafés & offices under 10 staff
Growing Business
- $2M / $4M general liability
- $500k business property, replacement cost
- Business interruption + extra expense
- Workers' compensation (payroll based)
- Cyber liability $250k
- Commercial auto — 2 vehicles
- Hired & non-owned auto liability
Professional / Contractor
- $2M / $4M general liability
- $1M professional liability (E&O)
- $1M cyber liability with ransomware response
- Workers' compensation + employer's liability
- Inland marine: tools & stock in transit
- Equipment breakdown & $5M umbrella
- Contract review & additional insured certificates
Indicative monthly cost for a small Minnesota business. Final pricing depends on revenue, payroll, class codes, location and claims history.
Business Insurance FAQs
Straight answers to the things people ask us most about business insurance.
Protect the rest of your world too
Two or more policies with one advisor means one renewal date, one claims number and typically 12–18% less in total premium.