Business insurance

For business

Business owners policy (BOP)

A business owners policy bundles commercial property, general liability and business income coverage into one package designed for small and midsize companies with standard risks.

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General liability insurance

Commercial general liability insurance pays defense costs and damages when your business is blamed for bodily injury, property damage or personal and advertising injury to others.

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Commercial property insurance

Commercial property insurance pays to repair or replace your buildings, equipment, inventory and furniture after fire, storm, theft and other covered events, and can replace lost income.

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Workers compensation insurance

Workers compensation insurance pays medical bills, lost wages and death benefits for employees hurt on the job, and protects employers from most related lawsuits. Nearly every state requires it.

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Commercial auto insurance

Commercial auto insurance covers liability and damage involving vehicles your business owns, leases, hires or lets employees drive, from a single van to a fleet of trucks.

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Professional liability insurance (E&O)

Professional liability insurance, also called errors and omissions or malpractice insurance, covers claims that your advice or services caused a client financial loss or injury.

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Directors and officers insurance (D&O)

Directors and officers insurance protects the personal assets of board members and executives, and the company itself, against claims alleging wrongful acts in managing the organization.

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Cyber insurance

Cyber insurance helps a business respond to data breaches, ransomware and other cyber incidents, paying for forensics, notification, lost income, extortion and liability claims.

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Cargo insurance

Cargo insurance pays for loss or damage to goods in transit by sea, air, truck or rail, whoever is at fault. Learn the Institute Cargo Clauses, carrier liability limits and how to insure shipments.

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Construction insurance

Construction insurance protects projects and contractors: builder's risk for the works, contractors' liability, equipment and surety bonds. See what is covered, what is excluded and how projects are priced.

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Energy insurance

Energy insurance covers oil and gas, power and renewable assets: physical damage, control of well, business interruption, pollution and liability, placed in a global specialty market led by London.

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Aviation insurance

Aviation insurance covers aircraft hull damage and liability to passengers and third parties for airlines, charter operators, corporate fleets, private owners, airports and drone operators.

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Marine insurance (hull and P&I)

Marine insurance protects shipowners and operators: hull and machinery for the vessel, protection and indemnity (P&I) for liabilities, plus war, loss of hire and the certificates ports require.

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Agricultural insurance (crop and livestock)

Agricultural insurance protects farm income and assets: federal crop insurance for yield and revenue, livestock price and margin plans, pasture and forage cover, plus farm property and liability.

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Employee benefits insurance

Employee benefits insurance lets employers offer group health, life and disability coverage. Learn plan types, ERISA, ACA and COBRA rules, what drives cost and how to compare group plans.

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