Independent Commercial Insurance Brokerage
Business Insurance: Compare Quotes Nationwide
Business insurance protects your company's property, liability, employees, and earnings. Most small businesses start with a Business Owners Policy (BOP) and layer on workers comp, commercial auto, and professional liability as they grow.
Get a Commercial Insurance QuoteWhat Business Insurance Covers
- general liability
- commercial property
- business interruption
- commercial auto
- workers compensation
- professional liability (E&O)
- employment practices liability
- cyber liability
- commercial umbrella
Business Insurance FAQ
What is a Business Owners Policy (BOP)?
A BOP bundles general liability + commercial property + business interruption into one cost-effective policy. It's designed for small to mid-sized businesses with low-to-moderate risk operations (most retail, office, service businesses qualify).
Do I need workers comp if I'm a sole proprietor?
Usually not — most states only mandate workers comp once you have employees (the threshold varies, often 1-5). But if you contract with general contractors or larger clients, they may require you to carry it anyway. Our sister brand The Workers Comp Experts can help with this specifically.
Get a Commercial Insurance Quote
5-minute online quote. Or call 859-407-4888 — Mon–Fri 9 AM – 5 PM EST.