Business Insurance Built Around Your Operation
Every business faces unique risks. David builds customized commercial insurance packages across 30+ carriers to protect your operation, your employees, and your bottom line.
Commercial Coverage Options
General Liability
The foundation of any business insurance program. General liability protects against third-party claims for bodily injury, property damage, and advertising injury. If a customer is injured at your location or your work damages a client's property, this policy responds.
Business Owners Policy (BOP)
Bundles general liability and commercial property into one convenient package, often at a lower cost than purchasing each separately. Ideal for small to mid-size businesses that want comprehensive, cost-effective coverage with customizable endorsements.
Commercial Property
Protects your business property including your building, equipment, inventory, furniture, and signage against covered perils like fire, theft, and weather damage. Business income coverage can be added to replace lost revenue during a temporary closure.
Workers Compensation
Required in most states for businesses with employees. Workers comp covers medical expenses, lost wages, and rehabilitation costs for employees injured on the job. It also protects your business from employee lawsuits related to workplace injuries.
Commercial Auto
Covers vehicles owned or used by your business including cars, trucks, vans, and specialty vehicles. Commercial auto policies provide liability, collision, comprehensive, and uninsured motorist coverage tailored to business use.
Professional Liability
Also known as errors and omissions (E&O) insurance, this covers claims that your professional services or advice caused a client financial harm. Essential for consultants, accountants, architects, IT professionals, and other service-based businesses.
Industries We Insure
David works with businesses of all sizes across these industries and more.
Restaurants & Food Service
GL, property, liquor liability, workers comp
Contractors & Trades
GL, tools & equipment, commercial auto, workers comp
Retail Stores
BOP, product liability, theft, business income
Professional Services
E&O, cyber liability, GL, commercial property
Real Estate & Property Management
Landlord policies, GL, umbrella, workers comp
Healthcare Practices
Professional liability, GL, cyber, workers comp
Nonprofits
D&O, GL, volunteers coverage, commercial property
Manufacturing
Product liability, GL, equipment breakdown, workers comp
Frequently Asked Questions
It depends on your industry, size, and risk exposure. At minimum, most businesses need general liability and workers compensation. David reviews your operation and recommends a tailored package.
A Business Owners Policy bundles general liability and commercial property into one policy, often at a lower cost. It's ideal for small to mid-size businesses. David compares both options to find the best value.
In most states, yes, if you have employees. Even in states where it's optional, David recommends it to protect both your employees and your business from workplace injury claims.
Premiums vary widely based on your industry, revenue, number of employees, and claims history. David quotes across 30+ carriers to find competitive rates for your specific operation.
Yes. Many carriers offer multi-policy discounts when you bundle business and personal lines. David looks for every available discount to reduce your total insurance spend.
Stop Overpaying for Insurance You Might Not Even Have Right
Let David review your current policies, find gaps in your coverage, and show you where you could be saving money. It takes 15 minutes and costs nothing.
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