Protect Your
Business Investment

General Liability

Foundation of business protection

Protect your business from third-party claims of bodily injury and property damage.

General liability insurance is the foundation of any commercial insurance program. It covers claims when a customer slips and falls at your business, when your work damages a client's property, or when your advertising injures another business. Most commercial leases and client contracts in Delaware, Pennsylvania, New Jersey, Maryland, and Virginia require proof of general liability coverage. Standard policies provide $1 million per occurrence and $2 million aggregate limits. We work with our appointed carriers to find competitively priced general liability coverage for businesses of all sizes.

Workers' Compensation

Protect your team

Required coverage for employee injuries and illness that occur on the job.

Workers' compensation insurance is required by law in Delaware, Pennsylvania, New Jersey, Maryland, and Virginia for most businesses with employees. It covers medical expenses, lost wages, and rehabilitation costs when an employee is injured or becomes ill due to their job. Each state has different requirements: Delaware requires coverage for all employers with one or more employees, Pennsylvania requires it for most employers, and New Jersey has no minimum employee threshold. Rates vary significantly by industry, a construction company pays much more than an accounting firm. We shop multiple carriers to find the most competitive workers' comp rates for your industry and payroll size.

Virginia requires workers' compensation for employers that regularly employ more than two full-time or part-time employees; corporate officers, LLC managers, family members, and seasonal or temporary workers all count toward that number, and Virginia offers no waiver or opt-out form.

Cyber Liability

Digital protection

Coverage for data breaches, cyber attacks, and digital business interruption.

Cyber liability insurance has become essential for businesses that store customer data, accept credit card payments, or rely on digital systems. A single data breach can cost a small business tens of thousands of dollars in notification requirements, credit monitoring services, legal fees, and regulatory fines. Cyber policies cover first-party costs like data recovery and business interruption, as well as third-party costs like lawsuits from affected customers. Even businesses that don't consider themselves 'tech companies', restaurants with point-of-sale systems, medical offices with patient records, retailers with online stores, need cyber coverage. We help businesses across the Mid-Atlantic evaluate their digital risk and find appropriate coverage.

Commercial Auto

Vehicles for business

Comprehensive coverage for vehicles used in your business operations.

Commercial auto insurance covers vehicles owned, leased, or used by your business. This includes company cars, delivery vans, service trucks, and any vehicle used for business purposes. Personal auto policies typically exclude coverage when a vehicle is used for business, which means employees using their personal cars for work-related tasks may not be covered. Commercial auto policies also provide hired and non-owned auto coverage for employees who drive rental cars or their own vehicles for company business. We compare commercial auto rates from more than 25 appointed carriers to find coverage that matches your fleet size and business use.

Business Owners Policy (BOP)

All-in-one coverage

Bundled property and liability protection designed for small to medium businesses.

A Business Owners Policy bundles general liability and commercial property insurance into a single, cost-effective package. BOPs are designed for small to medium-sized businesses and typically cost less than purchasing each coverage separately. A standard BOP covers your building (if you own it), business personal property like equipment and inventory, business income loss if you're forced to close temporarily, and general liability. Many BOPs also include coverage for data breach expenses, equipment breakdown, and employee dishonesty. BOPs are ideal for businesses like retail stores, restaurants, offices, and service providers. We customize BOP coverage through our appointed carriers to match your specific business needs.

Professional Liability (E&O)

Errors & Omissions

Protection against claims of negligence, mistakes, or failure to perform.

Professional liability insurance, also called Errors and Omissions (E&O), protects your business against claims that your professional services caused a client financial harm. This could be a missed deadline, an error in your work, or a failure to deliver promised results. Unlike general liability, which covers physical injury and property damage, professional liability covers financial losses caused by your advice or services. This coverage is essential for consultants, accountants, architects, engineers, technology companies, real estate agents, and any business that provides professional advice or services. Many client contracts require proof of E&O coverage before you can begin work.