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PREMIUM CALCCOVERAGE GUIDE
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Coverage Guide

Commercial Insurance Guide

How to choose business insurance coverage.

1

Assess Your Risks

Identify your business risks: property damage, liability exposure, employee injuries, professional errors, and vehicle usage.

2

Determine Required Coverage

Check legal requirements (workers comp), lease requirements (general liability), and contract requirements from clients.

3

Get Multiple Quotes

Compare quotes from multiple insurers. Consider both admitted carriers and surplus lines for specialized risks.

4

Review Policy Details

Understand coverage limits, deductibles, exclusions, and endorsements. Ensure the policy matches your actual operations.

5

Consider Bundling

Business Owner Policies (BOP) bundle property and liability at discounts. Multi-policy discounts are common.

Key Coverages

General Liability
Workers Compensation
Commercial Property
Professional Liability
Commercial Auto
Cyber Liability
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