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.
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.
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
Commercial Lines Insurance Applications
Commercial lines insurance covers businesses and organizations. Most commercial supplementals application are written for a specific class of business or a specific coverage, so we have grouped them by industry and coverage type. This list is our guide to the supplemental applications that we see most often, not an official industry ranking. If you do not see the one you need, just ask.
Contractors & construction
- General Contractor
- Residential Remodeling
- Roofing
- Electrical
- Plumbing
- HVAC
- Carpentry / Framing
- Concrete & Masonry
- Excavation & Grading
- Painting
- Drywall & Plastering
- Landscaping & Lawn Care
- Tree Trimming & Removal
- Paving & Asphalt
- Demolition
- Fencing
- Flooring & Tile
- Insulation
- Solar Installation
- Pool Construction & Service
- Glazing / Glass Installation
- Steel Erection
- Scaffolding
- Waterproofing
- Countertop & Cabinet Installation
- Directional Boring / Utility Contractor
- Crane & Rigging
Specialty trades & services
- Handyman
- Janitorial / Cleaning
- Pest Control
- Snow Plowing
- Pressure Washing
- Window Washing
- Locksmith
- Security Systems Installation
- Elevator / Escalator
- Sign Installation
- Septic Services
- Well Drilling
- Mold Remediation
- Restoration / Water Damage
- Chimney Sweep
- Appliance Repair
- Carpet Cleaning
- Garage Door Installation
- Gutter Installation
- Welding & Fabrication
- Fire Sprinkler Contractor
- Low-Voltage / Data Cabling
- Irrigation Installation
- Junk Removal
- Moving Labor (Load / Unload Only)
- Air Duct Cleaning
- Mobile Auto Detailing
Restaurants, bars & hospitality
- Restaurant
- Bar / Tavern
- Nightclub
- Liquor Liability
- Brewery / Brewpub
- Winery
- Distillery
- Catering
- Food Truck
- Bakery
- Coffee Shop
- Hotel / Motel
- Bed & Breakfast
- Banquet Hall
- Hookah / Cigar Lounge
- Commercial Kitchen (Shared)
- Delivery & Takeout Operations
- Fast Food / Franchise
- Bowling Alley / Bar
- Golf Club & Pro Shop
- Ghost Kitchen
- Ice Cream / Frozen Yogurt Shop
- Pizzeria
- Juice & Smoothie Bar
- Taproom / Tasting Room
- Diner / Family Restaurant
- Hostel
Real estate & habitational
- Apartment Building
- Condominium Association
- Homeowners Association (HOA)
- Lessor's Risk Only
- Office Building
- Shopping Center / Strip Mall
- Self-Storage Facility
- Vacant Building
- Builders Risk
- Student Housing
- Senior Living (Independent)
- Mobile Home Park
- Campground / RV Park
- Short-Term Rental Portfolio
- Mixed-Use Building
- Warehouse (Lessor)
- Property Manager E&O
- Real Estate Developer
- Parking Lot / Garage
- Habitational Crime & Security
- Coworking Space
- Medical Office Building
- Single-Family Rental Portfolio (Long-Term)
- Affordable / Section 8 Housing
- Cooperative Apartment Building
- Vacant Land
- Distressed / Foreclosed Property
Commercial auto
- Business Auto
- Hired & Non-Owned Auto
- Contractor Fleet
- Garage Liability
- Garagekeepers
- Auto Dealer
- Used Car Dealer
- Auto Repair Shop
- Body Shop
- Towing & Recovery
- Limousine
- Taxi / Livery
- Non-Emergency Medical Transport
- School Bus / Student Transport
- Church Van / Bus
- Rental Car Agency
- Food Delivery Fleet
- Driver Schedule (Fleet)
- Vehicle Schedule (Fleet)
- Motor Vehicle Record Consent
- Ambulance / EMS
- Funeral Home Vehicles
- Hotel & Airport Shuttle
- Rideshare / TNC Fleet
- Dealer Open Lot
- Driver Training School
- Vehicle Leasing Company
Trucking & logistics
- Motor Truck Cargo
- Trucking Liability (For-Hire)
- Moving & Storage
- Household Goods Mover
- Freight Broker
- Freight Forwarder
- Owner-Operator
- Non-Trucking Liability (Bobtail)
- Physical Damage (Tractor/Trailer)
- Hazmat Hauler
- Dump Truck
- Logging Truck
- Auto Hauler
- Refrigerated (Reefer) Cargo
- Intermodal / Drayage
- Courier / Last-Mile Delivery
- Warehouse Legal Liability
- Trailer Interchange
- Motor Carrier Safety Questionnaire
- Fleet Telematics / Safety Program
- Tanker (Liquid Bulk)
- Flatbed / Heavy Haul
- Livestock Hauler
- Grain Hauler
- Hot Shot / Expedited Freight
- Garbage / Waste Hauler
- Cold Storage Warehouse
Professional liability (E&O)
- Accountants / CPA
- Architects & Engineers
- Attorneys (Lawyers Professional)
- Insurance Agents E&O
- Real Estate Agents E&O
- Mortgage Brokers
- Financial Advisors
- Consultants
- IT Consultants / Technology E&O
- Marketing & Advertising
- Staffing Agency
- Home Inspectors
- Appraisers
- Surveyors
- Title Agents
- Notary Public
- Travel Agents
- Event Planners
- Interior Designers
- Translators & Interpreters
- Tax Preparers
- Payroll Services
- Bookkeepers
- Collection Agency
- Software Developers / SaaS
- Private Investigators
- Public Adjusters
Management liability & cyber
- Directors & Officers (Private)
- Directors & Officers (Nonprofit)
- Employment Practices Liability
- Fiduciary Liability
- Commercial Crime
- Employee Dishonesty
- Cyber Liability
- Data Breach Response
- Social Engineering / Funds Transfer
- Media Liability
- Kidnap & Ransom
- Third-Party Crime
- ERISA Bond
- Notary / Public Official Bond
- Contract Surety Bond
- Commercial Surety Bond
- License & Permit Bond
- Representations & Warranties
- Ransomware Controls
- Privacy & Regulatory
- Side A / Excess D&O
- Employed Lawyers Liability
- Wage & Hour Defense
- Intellectual Property Infringement
- Crypto / Digital Asset Crime
- Court & Probate Bonds
- Business Service (Janitorial) Bond
Healthcare & social services
- Physicians Medical Malpractice
- Dentists
- Chiropractors
- Physical Therapists
- Nurses / Nurse Practitioners
- Home Health Care
- Assisted Living
- Nursing Home
- Medical Spa
- Pharmacy
- Veterinarians
- Behavioral Health / Counseling
- Daycare Center
- Adult Day Care
- Social Services Agency
- Group Home
- Massage Therapists
- Fitness Trainers
- Medical Billing
- Laboratory / Diagnostic Imaging
- Urgent Care Center
- Ambulatory Surgery Center
- Optometrists
- Podiatrists
- Hospice
- Telehealth Provider
- Dialysis Center
Manufacturing & products
- Manufacturer (General)
- Products Liability
- Product Recall
- Food Manufacturing
- Beverage Bottling
- Cannabis / Hemp / CBD
- Firearms & Ammunition
- Cosmetics & Personal Care
- Nutritional Supplements
- Machine Shop
- Metal Fabrication
- Plastics
- Woodworking / Cabinetry
- Printing
- Textile & Apparel
- Electronics Assembly
- Chemical Manufacturing
- Importer / Distributor
- Contract Packager
- 3D Printing
- Medical Device Manufacturer
- Aerospace Parts Manufacturer
- Auto Parts Manufacturer
- Paper & Packaging
- Furniture Manufacturer
- Toy & Juvenile Products
- Glass & Ceramics
Retail & wholesale
- Retail Store (General)
- Convenience Store
- Gas Station
- Grocery
- Liquor Store
- Jewelry Store (Jewelers Block)
- Firearms Dealer
- Pawn Shop
- Vape / Tobacco Shop
- Pharmacy Retail
- Hardware Store
- Furniture Store
- Clothing Boutique
- Florist
- Pet Store / Grooming
- E-Commerce / Online Retailer
- Wholesale Distributor
- Auto Parts Store
- Salon / Barber Shop
- Dry Cleaner / Laundromat
- Sporting Goods Store
- Bicycle Shop
- Electronics Store
- Bookstore
- Thrift / Consignment Store
- Tattoo & Body Piercing
Property & inland marine
- Commercial Property
- Business Owners Policy (BOP)
- Business Income
- Equipment Breakdown
- Contractors Equipment
- Installation Floater
- Motor Truck Cargo (Inland)
- Transit / Shipments
- Fine Arts (Commercial)
- Electronic Data Processing
- Signs
- Accounts Receivable
- Valuable Papers
- Bailee Customers
- Commercial Flood
- Commercial Earthquake
- Wind / Named Storm
- Statement of Values
- Fire Protection / Sprinkler
- Vacancy Permit
- Spoilage / Refrigeration Breakdown
- Utility Service Interruption
- Ordinance or Law (Commercial)
- Contingent Business Interruption
- Trade Show / Exhibition Floater
- Tenant Improvements & Betterments
Workers comp & employment
- Workers Compensation
- Assigned Risk / State Pool
- Professional Employer Organization (PEO)
- Temporary Staffing
- Leased Employees
- Subcontractor Usage
- Independent Contractor Questionnaire
- USL&H (Longshore)
- Jones Act (Maritime)
- Occupational Accident
- Stop-Gap Employers Liability
- Volunteer Accident
- Safety Program Questionnaire
- Loss Control / Return-to-Work
- Multi-State Operations
- Owner / Officer Inclusion-Exclusion
- Agricultural Workers
- Construction Payroll Breakdown
- Drug-Free Workplace
- Ghost Policy (Sole Proprietor)
- Pay-As-You-Go Workers Comp
- Large Deductible / Self-Insured Retention
- Excess Workers Comp (Self-Insured)
- Foreign Voluntary Workers Comp
- Defense Base Act
- Group Self-Insurance Fund
Events, recreation & entertainment
- Special Event Liability
- Concerts & Festivals
- Weddings & Private Events (Venue)
- Sports Teams & Leagues
- Fitness Center / Gym
- Martial Arts Studio
- Dance Studio
- Yoga Studio
- Summer Camp
- Amusement / Inflatables
- Trampoline Park
- Swimming Pool (Commercial)
- Marina
- Golf Course
- Ski Area
- Hunting & Fishing Guide
- Outfitter / Rafting
- Equestrian Facility
- Film & Video Production
- Photographers
- Escape Room
- Paintball / Airsoft Field
- Climbing Gym
- Go-Kart Track
- Zoo / Petting Farm
- Haunted Attraction
Specialty, farm & environmental
- Farm & Ranch
- Agribusiness
- Crop-Hail
- Livestock Mortality
- Pollution Liability (Contractors)
- Pollution Liability (Site)
- Underground Storage Tank
- Asbestos & Lead Abatement
- Environmental Consultants
- Aviation / Aircraft
- Drone / UAS (Commercial)
- Ocean Marine Cargo
- Hull & Protection and Indemnity
- Church / House of Worship
- Nonprofit Organization
- School / Private Education
- Municipality / Public Entity
- Security Guard Services
- Armed Security
- Excess / Umbrella (Commercial)
- Agritourism
- Greenhouse / Nursery
- Vineyard
- Grain Elevator
- Timber / Logging Operations
- Cemetery
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