Products · Commercial
Business insurance built around how you actually operate
Contractors, shops, offices, restaurants, and service businesses across Iowa and Illinois. We start with what you do, who you do it for, and what a contract or lease requires you to carry — then quote the market.
General liability
Third-party bodily injury, property damage, and personal injury claims, plus additional insured endorsements when a client or landlord requires them on the certificate.
Commercial property
Buildings, tenant improvements, equipment, and inventory at replacement cost, with business income coverage so payroll and rent keep getting paid while you are shut down.
Business owner's policy (BOP)
Liability and property bundled for eligible small businesses — usually the most efficient way to cover a shop or office, if your operations fit a carrier's appetite.
Commercial auto
Owned vehicles, fleets, and hired and non-owned auto for employees running errands in personal cars. Personal auto policies exclude most business use, which is a common uncovered gap.
Workers' compensation
Medical costs and lost wages for injured employees, with class codes reviewed so you are not paying a higher rate than your work warrants.
Professional liability
Errors and omissions coverage for advice, designs, and professional services — the claims general liability specifically will not touch.
Send your current policies, any contract insurance requirements, and last year's payroll and receipts, and we will quote your program with several commercial carriers.