Every coverage, explained like a person would.

General Liability Covers third-party bodily injury, property damage, and advertising injury — like a customer slip-and-fall. Learn more Business Owner’s Policy Bundles General Liability + commercial property (often + business income) at a lower combined cost. Learn more Commercial Property Covers buildings, equipment, and inventory against fire, theft, wind, and more. Learn more Workers’ Compensation Pays medical bills and lost wages for on-the-job injuries — and shields you from the lawsuit. Learn more Commercial Auto Covers vehicles used for business — owned trucks, vans, and the gaps personal auto leaves. Learn more

Professional Liability / E&O Covers claims that a mistake or oversight in your professional work cost a client money. Learn more Cyber Liability Covers data breaches, ransomware, and the cost of cleaning up after an attack. Learn more Inland Marine Covers tools, equipment, and property in transit or off-site — where standard property stops. Learn more Builder’s Risk Covers structures under construction against fire, theft, and wind before the project is done. Learn more Liquor Liability Covers claims that arise from serving or selling alcohol — separate from your GL. Learn more Surety & Contractor Bonds Guarantee that you’ll perform a contract or hold a license — bid, performance, payment, and license bonds. Learn more Commercial Umbrella / Excess Adds limits on top of your GL, auto, and employer’s liability when a claim blows past the primary. Learn more Employment Practices Liability Covers claims of wrongful termination, discrimination, and harassment from employees. Learn more Directors & Officers Protects the personal decisions of leadership and board members from being personally sued. Learn more Commercial Flood Separate from property coverage — NFIP or private flood for Florida’s real risk. Learn more Equipment Breakdown & Food Spoilage Covers mechanical or electrical failure — and the refrigerated inventory it spoils. Learn more Yacht Insurance Agreed-value hull coverage plus marine liability (P&I) for larger vessels — written for Florida waters and hurricane season. Learn more Boat & Small Craft Insurance Hull and liability coverage for center consoles, skiffs, pontoons, and personal watercraft — priced for how you actually run the boat. Learn more Marine Contractors Insurance Liability, hull, and maritime-employee coverage for docks, seawalls, pilings, dredging, and salvage work over the water. Learn more