The right policies start with your business.

General Liability

General liability addresses claims that your business caused bodily injury, property damage, or certain personal and advertising injuries. We compare the offered coverage with your operations and contracts, including exclusions for particular work and requests for additional-insured status.

Coverage we compare

• Bodily injury and property damage
• Products and completed work
• Personal and advertising injury
• Legal defense

What we check in your quotes

• Limits and deductibles
• Operation-specific exclusions
• Contractual liability
• Additional-insured endorsements

Commercial Property

Commercial property insurance covers insured buildings and contents against covered damage. We work through your property values and lease obligations, then compare options for repairs, replacement, and income lost while the business recovers.

Coverage we compare

• Buildings and tenant improvements
• Equipment and inventory
• Business income and extra expense
• Replacement cost

What we check in your quotes

• Property values and locations
• Water, flood, and earthquake terms
• Coinsurance and deductibles
• Ordinance or law

Questions we work through

• Buying a building: who insures it from which date, and what the purchase agreement requires
• Lender conditions, including required limits, mortgagee wording, and evidence before funding
• Space you occupy yourself alongside space let to a tenant or subtenant
• Earthquake and flood, which property policies commonly exclude: we check the exclusion wording, whether cover is available by endorsement or a separate placement, and the terms quoted for it
• Periods when a unit sits empty, which many property policies treat differently

Workers' Compensation

Workers’ compensation provides benefits for employees with work-related injuries or illness. We help assemble the payroll, classifications, and ownership details used to quote the policy, and explain the audit terms before you choose.

Coverage we compare

• Medical care and wage benefits
• Employers' liability
• Other-state exposure when included
• Work-related injuries and illness

What we check in your quotes

• Class codes and payroll
• Owner and officer elections
• Experience modification
• Audit terms

Commercial Auto

Commercial auto insurance addresses liability and vehicle damage from business use. We check which vehicles and drivers need to be included, then compare terms for your fleet and any rented or employee-owned vehicles used on the job.

Coverage we compare

• Auto liability
• Collision and comprehensive damage
• Uninsured or underinsured motorists
• Hired and non-owned autos

What we check in your quotes

• Vehicles and drivers
• Garaging and radius
• Covered-auto symbols
• Employee vehicle use

Questions we work through

• Vehicles used in a way the standard class does not describe, including specialist bodies and equipment carried
• A previous cancellation or non-renewal, which markets ask about and which narrows where an account can go
• Drivers with incidents or short licence history, and who is permitted to drive
• A fixed date the vehicle has to be on the road, and what that means for the order of the work
• Vehicles hired in or owned by employees and used for the business

Cyber Liability

Cyber insurance can cover breach response, interrupted systems, and privacy liability. We take your security information to market and compare the response, paying attention to waiting periods, retentions, and the limits for fraud or vendor outages.

Coverage we compare

• Forensics and legal response
• Ransomware and extortion
• System interruption
• Privacy and network liability
• Funds-transfer fraud

What we check in your quotes

• Security statements in the application
• Waiting periods and retentions
• Sublimits
• Dependent systems and vendors

Professional Liability (E&O)

Professional liability, also called errors and omissions insurance, addresses claims that your services caused a client financial loss. We read the definition of covered services against your work and check the dates and defense terms that shape the policy.

Coverage we compare

• Errors and omissions
• Legal defense
• Prior work when included
• Claims arising from defined services

What we check in your quotes

• Definition of professional services
• Retroactive and continuity dates
• Defense inside or outside the limit
• Contract requirements

Commercial Umbrella

Commercial umbrella insurance adds liability limits above specified underlying policies. We compare the schedules and exclusions across both layers so you understand how the extra limit relates to your existing coverage and contract requirements.

Coverage we compare

• Large liability claims
• Limits above scheduled policies
• Defense after underlying limits are exhausted
• Contract-driven excess limits

What we check in your quotes

• Underlying policy schedule
• Attachment language
• Umbrella-specific exclusions
• Required underlying limits

Meeting a contract limit

• The limit the contract asks for, and whether it is per occurrence, aggregate, or both
• Whether a higher primary limit or an excess layer is the better route to that limit, and whether the account is eligible for either
• Whether the underlying policies sit at the limits an umbrella requires beneath it
• Separate requirements in the same clause: additional-insured status concerns who is insured, and waiver of subrogation concerns recovery rights against the other party. Neither changes the limit
• Evidence the other party will accept, and when they need it

Commercial Crime

Commercial crime insurance offers coverage for losses such as employee theft, forgery, and computer fraud. We examine your payment processes and compare the conditions for each type of loss, including whether social-engineering coverage is included.

Coverage we compare

• Employee theft
• Forgery
• Computer and funds-transfer fraud
• Money and securities

What we check in your quotes

• Social-engineering coverage
• Limits and deductibles
• Who qualifies as an employee
• Discovery and reporting terms