Products

Commercial Lines

Commercial lines insurance protects businesses and organizations rather than individuals. It covers the buildings, equipment, vehicles and people a business depends on, along with the liability that comes from serving customers, selling products and doing the work.

Every business is different, so commercial coverage is built around your industry, your operations and the contracts you sign. Here are the commercial lines products businesses ask us about most.

Complete List of Commercial Lines Insurance Applications

Commercial lines

Our most popular commercial lines products

General liability

Covers injuries to others and damage to their property caused by your business operations, premises or completed work.

Commercial property

Protects your buildings, equipment, inventory and furniture against fire, theft, wind and other covered losses.

Scheduled property

Own several buildings or locations? A scheduled policy insures them all, from 2 or 3 properties to portfolios of 100 or more, on one policy. Each property is listed on a statement of values with its own limit, or shares a blanket limit, with one renewal date and one bill.

Business owners policy (BOP)

Packages general liability and property coverage together for small and mid-sized businesses, usually at a lower price.

Workers compensation

Pays medical bills and lost wages for employees hurt on the job, and is required by law in most states.

Commercial auto

Liability and physical damage coverage for vehicles your business owns, leases, hires or lets employees drive.

Commercial umbrella

Extra liability limits above your general liability, auto and employers liability policies for a large claim.

Professional liability (E&O)

Protects against claims that your advice, services or mistakes caused a client financial harm.

Cyber liability

Covers data breaches, ransomware, notification costs and lawsuits when customer or employee data is exposed.

Directors and officers (D&O)

Protects company and nonprofit leaders from claims tied to their management decisions.

Employment practices liability

Covers claims of wrongful termination, discrimination and harassment brought by employees or applicants.

Liquor liability

Protects bars, restaurants and event hosts if someone who was served alcohol injures others or causes damage.

Inland marine and equipment

Covers tools, equipment and property that moves between job sites or is in transit.

Group health

Employer-sponsored medical, dental and vision coverage that helps you attract and keep good employees.

Commercial lines