The slip by the door, the client who says the work was wrong, the fire next door, the lease that wants a certificate by Friday. This is the coverage that keeps one bad day from becoming a closed business, explained plainly, then quoted by a licensed advisor, never a call center.
Most small businesses meet these six. Each one answers a different bad day, and each one has edges worth knowing before you sign a lease or a contract.
None of these are dramatic. They are Tuesdays. Which is exactly why they close businesses.
Someone comes through your door, hits a just-mopped tile, and goes down. A week later there is a letter from a lawyer. Without liability coverage, the medical bills, the defense, and the negotiating are all yours to carry. With it, the policy handles the claim.
General liability"This isn't what we agreed." Then: "and it cost us." Even when you are right, defending yourself costs money and months. Professional liability is the coverage that shows up for the argument about your work, not the argument about a fall.
Professional liability / E&OThe space is perfect. The lease says "tenant shall maintain commercial general liability… and name landlord as additional insured." No certificate of insurance, no keys. This is the week most owners call us, and it can move fast when the policy is already in place.
GL or BOP + certificateA purchase order, a GC agreement, or a marketplace listing that requires "$1,000,000 per occurrence / $2,000,000 aggregate" and proof before you start. Those numbers are limits the contract wants to see, not what the coverage costs. We match the policy to the paper.
Limits + certificateThe neighbor's kitchen fire, the smoke and water through the shared wall. Property coverage rebuilds the fixtures and inventory; business interruption keeps rent and payroll going while the doors are shut. One without the other leaves a gap you feel by week two.
Property + interruptionIt looked exactly like your supplier's invoice, with a "new remittance account." Or the point-of-sale vendor emails that card data may have been exposed. Cyber coverage, with the funds-transfer add-on, is what responds when the technology and the people around it are fooled.
Cyber liabilityPick your business, then tap through one very bad (imaginary) day. Each scene shows which coverage answers, what typically happens with it in place, and what you are holding without it. No prices, just the map.
Each coverage lights up as it comes up in your day.
Pick a business type to start your day.
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Illustrative only. Whether a policy responds depends on its terms, limits, endorsements, and the facts of a claim. No coverage is bound here. A licensed advisor confirms what fits your business and the limits your leases and contracts require.
Five minutes, skip anything you don't know. A licensed advisor shops it across carriers and comes back with real options by call or email. Nothing is bought or bound online.
Some carriers ask us to present their products one-on-one instead of on a website, and new ones join the lineup all the time. An advisor can pull up every product that could fit your needs, including the great options that are not listed here.
Tell us what you need covered and a licensed advisor will build a plan that fits your operation, your leases, and your budget.
*Plans, benefits, rates, and provider networks can change at any time. Speaking with your agent is necessary to verify the most up-to-date information before making any decision.