Business insurance begins with what you do.
Different operations bring different risks, contracts and responsibilities. We start with how your business works, then help you understand the coverage worth discussing.
Where does your work fit?
These are areas we’re focusing on, not a complete list of businesses we can discuss. Open a group to explore the questions behind its coverage needs.
01 / Knowledge & systemsProfessional & technology servicesBusinesses likeCoverage to discussProfessional liability · Cyber · General liability
When clients rely on your advice, work or systems, the insurance conversation can reach beyond your office. Contracts, information and the services you deliver all matter.
- What do your client contracts ask you to carry?
- Could an error in your work lead to a client claim?
- What would a data incident interrupt or expose?
02 / On site & in motionBuilding systems & specialty contractorsBusinesses likeCoverage to discussGeneral liability · Workers’ compensation · Commercial auto · Inland marine · Selected bonds
Your work moves between jobs, customer property and the people who help you deliver. The right questions change with your trade, contracts and equipment.
- What insurance terms appear in your project contracts?
- Who is working on site, and how are they covered?
- How are tools, materials and vehicles protected between jobs?
03 / Places & upkeepCommercial & property servicesBusinesses likeCoverage to discussGeneral liability · Workers’ compensation · Commercial auto · Tools & equipment
Working in spaces you do not own creates a particular mix of customer expectations, on-site activity, employees and equipment. We begin with the work you actually perform.
- Do you work inside occupied customer properties?
- Do employees travel between locations or use specialized equipment?
- What do service agreements require you to insure?
04 / Goods & movementWholesale & distributionBusinesses likeCoverage to discussCommercial property · General liability, including products exposure · Commercial auto · Business income
Inventory, suppliers, products and delivery routes can change the insurance picture. We work with selected wholesale and distribution operations and assess fit case by case.
- Where is inventory stored, and who owns it at each stage?
- What products do you sell, and under whose name?
- How do goods move to customers, and what happens if operations stop?
05 / Movement & learningFitness, recreation & instructionBusinesses likeCoverage to discussGeneral liability · Professional liability · Workers’ compensation · Commercial property
People come to you to move, learn or both. The activities you offer, the ages you serve and the people leading each class help shape the insurance conversation. Physical activities and classroom-style instruction bring different questions.
- What happens in your classes, and do children participate?
- Who leads instruction: employees, contractors or guest instructors?
- Do you host off-site activities or work in space you do not own?
06 / Plans & placesArchitectural & design studiosBusinesses likeCoverage to discussProfessional liability · General liability · Cyber · Business property
When you plan a residential remodel or restoration, your drawings, advice and contracts carry responsibilities of their own. Tell us what your studio designs and where your role ends; design services and construction work need different conversations.
- Do you provide plans and design only, or also manage construction?
- What responsibilities do your client contracts assign to your studio?
- Do you visit sites or coordinate with builders and other professionals?
Don’t see your industry? Tell us what you do and we’ll discuss fit and available options.
Not on the list? Let’s start with what you do.
The examples above are starting points, not eligibility rules. Tell us about your operations and what you are trying to protect. We’ll discuss whether we can help and which options may be available for your state and business.
Talk to our team No coverage is in force until an insurer confirms it and the required steps are complete.