Small Business Insurance

We offer choice when purchasing insurance for your small business. Choose which option fits best for your company.

Traditional

We review your business information and process quotes in house or with our outside resources. The best way to buy insurance for traditional businesses operating year round and for those who want a better understanding of coverage, options and alternatives to Quote Online.

Quote Online

with Blackboard Insurance

We partner with Attune Insurance.

Restaurants, Retail, Medical, Office and more can be quoted quickly and easily.  Your are not buying on your own, we do review your input and will contact you to be sure things are in order. Many states available.

Thimble

We know insurance can be a short term need for some businesses. Thimble offers liability insurance (not in NY or AK) Great for: Handyman, Landscapers, Consultants, Freelancers, Cleaner, Janitor, Fitness, Beauty, Events and Entertainment or Pet Services

Traditional/Online Core Program

  • Property Insurance

    Building, Equipment and Inventory.

  • Loss of Income & Extra Expenses

    The disability insurance your business needs in the event you suffer a significant slowdown or complete shutdown, due to a covered loss.

  • Liability Insurance

    You know this one, in case someone gets hurt or sick, you get defense coverage and money for a settlement. This is also the one requested the most by vendors of your product.

  • Auto Insurance

    Delivery vehicles, owner vehicles and other vehicles owned by your business.

  • Workers Compensation

    You know this coverage because most states mandate the coverage. Remember 1099’s do not make someone and independent contractor, beware!

Traditional/Online: Better Protection

  • Equipment Breakdown

    Not a coverage that is talked about much but can be very useful in a food and beverage business.

  • Umbrella Liability

    If your Liability policy runs out of limit this is the policy that offers more coverage. If a vendor wants more than $1,000,000 in insurance this is the policy for you.

  • Hired/Non Owned Auto Liability

    Using your own personal vehicle in business still exposes your business to a loss. This is coverage for your business above and beyond your personal auto policy.

  • Crime Insurance

    Depending on the policy chosen, coverage for Employee Theft, Money , and Computer Fraud may or may not be included.

  • Product Recall

    Recall expenses are not covered in any other policy. This coverage needs to be endorsed to your policy but if you need higher limits, another policy will be necessary.

Traditional Comprehensive Approach

  • Directors & Officers Liability

    This is decision insurance. Can be purchased for private companies and public/non profit entities.

  • Data Breach Coverage

    Federal & State Laws require notification in the event of a data breach. Laws may vary by state. The costs, per record, can get very expensive. This is not covered anywhere but here.

  • Employment Practices Liability

    Wrongful termination, sexual harassment, discrimination claims are not covered anywhere but here.

  • Cargo Insurance

    By land or by sea, if your shipper has the coverage, you are not the client of their insurer and most will not let you know what is or is not covered, and for how much.

  • Foreign Liability & Foreign Workers Compensation

    Liability and Workers Compensation have territory limitations when it comes to coverage. Workers and products beyond the limitations can be covered here.

We've Got You Covered

  • Businesses Served

    • Retail- all classes
    • Restaurants
    • Wholesale and Distribution
    • Manufacturers
    • Importers
    • Nutraceutical Companies
    • Apartments
    • Condominiums
    • Office Buildings
    • Shopping Centers
    • Service businesses-all classes
    • Garages
    • Fitness Centers
    • Allied Health facilities