Commercial Insurance
The foundation. General liability, property, workers comp, and the other lines your business needs before anything else.
What most businesses need
General Liability
Covers claims when someone gets hurt on your premises, your work damages someone's property, or you're accused of causing bodily injury. Most leases and contracts require it.
Business Owners Policy (BOP)
Bundles general liability with commercial property coverage. Covers your office, equipment, and inventory. Usually cheaper than buying them separately.
Workers Compensation
Required in most states once you have employees. Covers medical expenses and lost wages for on-the-job injuries. Not optional.
Employment Practices Liability (EPLI)
Covers claims from employees -- wrongful termination, discrimination, harassment, retaliation. Gets more important as your team grows.
Commercial Auto
If your business owns vehicles or employees drive for work, you need this. Your personal auto policy won't cover business use.
Umbrella / Excess Liability
Extra coverage above your other policies. If a claim exceeds your GL or auto limits, the umbrella picks up the rest. Often required by client contracts.
How it fits together
Commercial insurance is the base layer. Cyber, professional liability, and D&O are specialty coverage you add on top depending on what your business does. I handle the full program so everything works together and nothing falls through the cracks.