General liability
For certain claims that your business caused bodily injury or damage to someone else’s property.
Ask about general liabilityCommercial insurance · Nationwide
Insurance for the work you’ve built.
Looking for general liability, commercial property, workers’ compensation, commercial auto, professional liability, or cyber insurance? Tell us what you need. We’ll help you find the best available options for your business.
Commercial insurance for businesses nationwide.Specific options depend on your business, state and insurer eligibility.
Free initial Commercial Coverage Review
Understand your current coverage before looking for more.
Our initial Commercial Coverage Review is free. We review the policy information you provide and share a concise summary of material observations, missing information, uncertainties and possible next steps, reviewed by licensed insurance staff.
What the review can tell you
The review is limited to the information available. It is not a comprehensive audit or a guarantee that every coverage gap will be found, a claim will be covered, or lower-priced coverage will be available.
ACORD information alone may not establish the coverage in your issued policy. If more documents are needed, we’ll explain why.
Separate choice: A review does not start a quote search. You decide whether you want us to explore available alternatives.
Request a coverage reviewCommercial coverage
Coverage for the many sides of your business.
Find the type of coverage you need. We’ll confirm availability for your business, location, and the insurers and options we can work with.
Commercial property
For buildings, inventory, equipment, and other business property after a covered loss.
Ask about propertyWorkers’ compensation
For covered work-related injuries or illnesses involving employees.
Ask about workers’ compCommercial auto
For vehicles used in your business and the driving risks that come with them.
Ask about commercial autoProfessional liability
For certain claims alleging an error or omission in the professional services you provide.
Ask about professional liabilityCyber liability
For certain cyber incidents, response expenses, and related liabilities.
Ask about cyber coverageOne policy, several essentials
Could a businessowners policy be a fit?
A BOP can bring property and liability coverage together for eligible businesses, often with business-income protection. We can help you explore whether it fits yours.
Learn about BOPsNeed something different? Tell us what you’re looking for and we’ll let you know how we can help.
Explore the possibilities
Start with what your business does.
Look for a situation that sounds familiar. Then see which coverage may be worth a closer look.
Showing all 23 coverage types
01Daily operationsPeople, places and vehicles that keep work moving5 types
If your business…You interact with the public, work at customer sites, sell products or finish work for clients.
General liability
May address certain third-party injury or property-damage claims. Ask about products and completed operations when relevant.
If your business…You own or use a location, inventory, furniture, machinery or equipment.
Commercial property
May protect business property after a covered loss.
If your business…You have employees, work alone or hire subcontractors and need to check the rules that apply.
Workers’ compensation
Provides benefits for covered work-related injuries or illnesses; requirements vary by state and owner status. Check owner and subcontractor questions →
If your business…You have employees and carry workers’ compensation.
Employers liability
May address certain employee-injury lawsuits, such as a claim alleging unsafe work conditions, apart from statutory workers’ compensation benefits. Terms and exclusions matter.
If your business…Your company owns vehicles or people drive for business.
Commercial auto
May address business-vehicle liability and physical damage, depending on the policy.
02Expertise, data & peopleProfessional work, digital systems and employment decisions5 types
If your business…Clients rely on your advice, designs, consulting or specialized services.
Professional liability / Errors & Omissions (E&O)
May address certain claims alleging mistakes or omissions in professional work, such as a client claiming a design error caused financial loss. See the liability comparison →
If your business…You store information, process payments or depend on connected systems.
Cyber insurance
May help with certain cyber incidents, response costs and related liabilities.
If your business…You have employees and face hiring, management or termination decisions.
Employment practices liability (EPLI)
May address certain discrimination, harassment, retaliation or wrongful-termination claims.
If your business…Your organization has a board, outside investors or significant management decisions.
Directors & officers liability (D&O)
May address certain claims against directors or officers arising from their duties.
If your business…You sponsor or manage employee benefit or pension plans.
Fiduciary liability
May address certain claims that people responsible for an employee benefit plan mismanaged it. Examples include disputed investment or administrative decisions. This differs from coverage for a benefits-administration error.
03Property, equipment & continuityAssets away from your location and interruptions to work5 types
If your business…Tools, equipment or valuable property move between locations.
Commercial inland marine
May protect certain movable, specialized or transported business property.
If your business…Operations depend on machinery, electrical systems or refrigeration.
Equipment breakdown
May address certain mechanical or electrical breakdowns and related costs.
If your business…Employees handle money, inventory, financial accounts or valuable property.
Crime / fidelity insurance
May address certain theft, forgery, fraud or employee-dishonesty losses.
If your business…A covered property loss could interrupt work or force you to operate elsewhere.
Business income & extra expense
May help with lost income and extra costs during a covered interruption.
If your business…You are constructing or substantially renovating a building.
Builders risk
May protect property while construction is underway.
04Added liability & contractsHigher limits and obligations tied to your work3 types
If your business…A serious claim or contract could call for higher liability limits.
Commercial umbrella liability
May provide additional limits above certain underlying liability policies after their applicable limits are used. See how the layers work →
If your business…You sell, serve, distribute or manufacture alcoholic beverages.
Liquor liability
May address certain liability claims arising from those activities.
If your business…A contract, permit or project requires a bond.
Surety bonds
Can guarantee a specified obligation, such as bid, performance or payment requirements. A bond protects the party owed that obligation; it does not remove your duty to perform or pay.
05Ways to combine coveragePackages that can bring several coverages together2 types
If your business…Your smaller business may qualify for a convenient package.
Businessowners policy (BOP)
Typically combines property and liability, often with business-income coverage. Eligibility varies. Learn what a BOP may leave out →
If your business…Your business needs several coverage parts with more flexibility.
Commercial package policy (CPP)
Can combine multiple commercial coverages in one policy.
06Specialized operationsLess common risks that deserve a direct conversation3 types
If your business…Your business owns or operates an aircraft.
Aviation insurance
May include aircraft liability and physical-damage coverage.
If your business…Your work involves ships, cargo or property moving over waterways.
Ocean marine insurance
May address marine and certain transit exposures.
If your business…Standard property coverage may leave a specialized exposure unresolved.
Difference in conditions (DIC)
May address certain causes of loss or property exposures outside a standard policy, such as a specifically endorsed flood or earthquake exposure that the standard form excludes. The actual DIC form decides what is covered.
No matches yet. Try a different word, or ask us what you’re looking for.
Another route to coverage
What about surplus lines?
Surplus lines is a way to place certain hard-to-insure or specialized risks with non-admitted insurers. It is not a type of coverage itself. Ask us whether it may be relevant to your situation.
Not sure what fits?
Tell us about your business. We’ll help identify coverage worth discussing and check what options are available.
Talk to our teamThese descriptions are a starting point, not a determination of what your business needs or what a policy covers. Availability, eligibility and actual coverage depend on your location, insurer and policy terms.
Useful guidance
Come to the conversation with better questions.
Talk to our team
Let’s talk about your business today.
Tell us what has changed or what you are trying to understand. We’ll help you identify a sensible next step.
Contact RenwellThe contact form is for general inquiries. Please do not send policies or sensitive documents through it.