Business insurance works as a connected program.
A general liability policy does not replace commercial auto. Property coverage does not insure every tool or piece of mobile equipment. An umbrella may not extend over every underlying policy. Professional services can create allegations that general liability excludes.
Reviewing the policies together helps identify where limits, classifications, endorsements, and exclusions need closer attention.
Core commercial coverages
Liability
General liability, products and completed operations, professional liability, cyber, management liability, and umbrella.
Property & Equipment
Buildings, business personal property, tools, mobile equipment, builders risk, business income, and equipment breakdown.
Vehicles & Transportation
Commercial auto, fleets, trucking, hired and non-owned auto, cargo, trailers, and physical damage.
Employees & Crime
Workers’ compensation, employment practices, crime, fidelity, funds transfer, and related exposures.
Businesses we commonly evaluate
- Manufacturers, fabricators, assemblers, importers, and distributors
- Contractors, trades, and field-service businesses
- Scaffolding erection, dismantling, rental, and access contractors
- Automotive service, repair, and garage operations
- Commercial property owners and habitational risks
- Trucking, delivery, service fleets, and transportation operations
- Professional, consulting, technology, and real-estate businesses
- Growing companies with multiple policies, locations, vehicles, or contractual requirements
Information that makes a review useful
Start with the current policy, renewal date, loss runs, and a clear description of the operation. Depending on the account, underwriters may also request payroll and sales, vehicle and driver schedules, property values, contracts, equipment lists, safety procedures, or supplemental applications.