Customers & visitors
General liability
Discuss coverage for certain third-party bodily injury and property-damage claims.
Consider customer interactions, work activities, leases, and client requirements.
Commercial Insurance
Protection built around how your business actually runs.
Explore protection for your work, your team, and the property and vehicles your business depends on. An independent broker helps compare policy details around your operation.
Independent options, with a licensed broker to help you understand the details.
And everything that makes it possible.
Start with your day-to-day work.
Business risks. Coverage worth discussing.
Connect the way your business operates to the protections you may need. The details depend on your work and the policy.
Your advice & services
Professional liability
Explore errors and omissions coverage for the professional advice or services you provide.
Review your work and the obligations in your client contracts.
Property & equipment
Commercial property
Consider coverage for the building, equipment, and inventory your business depends on.
Think about property values, covered losses, and the policy's limits and exclusions.
Your employees
Workers' compensation
Discuss coverage for work-related employee injuries and the requirements that apply to your workforce.
Start with the work employees perform and the states where they work.
Your business vehicles
Commercial auto
Discuss coverage for vehicles used for deliveries, service calls, and other business driving, including how they are used and who drives them.
Bring a clear picture of the vehicles and their day-to-day use.
Bringing the pieces together.
Where a business owner's policy fits.
A business owner's policy typically combines general liability and business property coverage, often with business income coverage. What is included depends on the policy and your business.
Workers' compensation, commercial auto, and professional liability may require separate coverage.
Often combined in a BOP
- General liability
- Business property
- Business income
May need separate coverage
- Workers' compensation
- Commercial auto
- Professional liability
A closer look at business income: Coverage may help replace lost income and pay certain continuing expenses during a covered interruption. What triggers coverage, any waiting period, limits, and how long coverage continues depend on the policy.
The details make a difference.
Look at the coverage as a whole.
Premium is one part of the decision. Review what the policy is designed to cover and how its terms fit your operation.
- Limits and deductibles
Understand the amount of protection and what you would pay toward a covered loss.
- Coverage scope and exclusions
Review what is included, what is excluded, and where additional protection may be needed.
- Property values
Consider the buildings, equipment, and inventory involved, alongside the policy's valuation terms.
- Lease and client requirements
Bring relevant insurance requirements so coverage and limits can be discussed in context.
- Business income terms
Check the covered events, when coverage begins, and how long it continues.
Make a useful start.
Bring a clear picture of your business.
These details help an independent broker understand your operation and begin the conversation. Further information may be needed for particular policies or insurers.
Request a commercial quoteA few details to have ready
- Business type and operations
- Location
- Estimated revenue
- Number of employees
Already insured? Your current policy is useful for a coverage or renewal review. Bring landlord or client insurance requirements if they apply.
A little clarity.
Business coverage, in plain language.
Get help understanding the coverage questions that relate to your operation.
Ask about your businessHow does an independent broker help?
An independent broker can compare options across multiple insurers and help explain policy differences around your needs.
Can you review an existing policy?
Yes. Bring your current coverage and any changes to your business so the options can be reviewed in context.
What if a client or landlord requires insurance?
Share the insurance requirements with your broker so the relevant coverage and limits can be discussed alongside your operation.
Explore the details.
More business coverage guidance.
What's Actually in a Business Owner's Policy?
Understand a BOP's property, liability, and business income coverage, then check the limits, triggers, and gaps against how your business operates.
Read the guideHow Much General Liability Coverage Does Your Business Need?
Choose liability limits by checking your contracts, operations, per-occurrence and aggregate amounts, and the coverage gaps a larger limit cannot fix.
Read the guide
Workers' Comp 101: What Every Employer Should Know
Check state requirements, describe your workforce accurately, prepare payroll and audit records, and build an injury-reporting process before you need it.
Read the guideYour next step starts here.
Ready to protect your business?
Talk through your operation and the coverage worth comparing. Request a free, no-obligation commercial quote from Callie.