Commercial General Liability, or CGL, is the most basic form of business insurance coverage. It may cover a food & beverage professional from accidents both in-and-outside of regular services. This includes lawsuit expenses due to incidents of slips and falls, structural collapse, or other incidents.

If you have a brick and mortar spot your business calls home – you might want to protect it. This coverage protects your business premises against losses due to theft, fire, vandalism, falling objects and other ‘named perils’

Many small businesses are not insured if something happens where they need to temporarily close due to a claim. A fire, flood or break in may temporarily halt business and create serious cash flow stress.

Commercial “Crime Insurance & Employee Dishonesty” coverage helps protect businesses of all scale and scope from losses due to crime that can occur within or outside your organization.

Commercial “Umbrella” Liability coverage extends the limits and coverage of your Commercial General Liability (CGL) insurance capacity. It acts like a shield moving to fill gaps that might exist in your individual policies.

D&O coverage protects boards of directors and officers against lawsuit expenses. This includes public, private, profit, and non-profit organizations.

Equipment Breakdown Insurance protects the equipment your business depends on from sudden and accidental, physical damage that requires its repair or replacement.

Cyber Insurance helps cover expenses when your network is hacked, or your data is stolen. It can include coverage for extortion, crisis management, and business interruption expenses.

Commercial Auto coverage ensures that any vehicles used by your business, occasionally or full time, are protected in the case of an accident.

If your business produces and/or serves liquor as part of its operations this may cover the cost of damages, medical bills, as well as legal expense, defense costs, or settlement fees that could occur should an intoxicated person cause injury to themselves, someone else, or a third-party’s property.