Commercial

Coverage that fits how you actually work.

Six building blocks most commercial clients ask about. Use this as a briefing with an advisor — not as a substitute for the policy.

Educational overview for discussion with an advisor — not a binder, not a complete list of terms, and not a promise of coverage. What applies depends on the policy issued.

Featured commercial product

Builders Risk

Course-of-construction coverage for contractors, owners, and renovations — the building under construction, materials, off-site storage, and transit. Educational overview, not a binder.

Read the builders risk overview

General Liability

Protects against financial loss from claims of bodily injury, damage to someone else’s belongings, and offenses such as libel, slander, and advertising injury caused by a business or its employees.

Exposures can come from many places: accidents on the premises, employment-related lawsuits, and copyright infringement.
A general liability policy typically covers the cost to defend or settle claims — even if they turn out to be fraudulent.
It does not cover auto or professional liability exposures; those need their own forms.

Professional Liability (E&O)

Often called errors and omissions, this protects professionals and companies against liability from mistakes or omissions in performing professional services.

Most E&O policies focus on financial losses suffered by third parties — not bodily injury or damage to someone else’s belongings.
Injury and damage to someone else’s belongings are usually the territory of a commercial general liability policy.

Workers’ Comp

A statutory benefit in state law requiring most employers to compensate employees or their families for lost wages and medical care due to job-related injuries or occupational disease.

In exchange, employees typically give up the right to sue the employer for negligence.
Workers’ compensation insurance helps cover the cost of injured employees’ medical and income benefits.

Umbrella

Covers losses that exceed the limits of an underlying insurance policy.

Provides excess limits when underlying policies are exhausted by claims.
Can fill exclusions and gaps in those policies, and may protect against some claims the underlying forms do not cover.

Commercial Auto

Covers liability for bodily injury and physical damage caused by vehicles used for business.

Ownership by a business, hauling goods for hire, and gross weight are among the factors that determine eligibility on a commercial auto policy.
Except for auto-related businesses, motor carriers, and trucking firms, a commercial auto policy addresses the needs of most commercial entities.
Tell us how each vehicle is used. Vehicles used for the business belong in this commercial auto conversation.

Builders Risk

Covers the building and materials in the course of construction — typically at the job site, in off-site storage, and in transit.

Protects against building damage and damaged or lost materials, fixtures, and equipment used in construction or renovation.
The estimated completed value of the project is commonly used as the limit, and protection ends when the work is completed.

Full builders risk overview

For an individual life policy, see life insurance. Employers asking about health, dental, vision, group life, or disability can read group benefits. Or call (956) 609-6222. The callback form is optional and is not a price.

Need a commercial quote?

Call (956) 609-6222 and tell us which coverages to look at. Monday–Friday 8AM–5PM. The online form only asks us to call you back.

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