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Local Business Partners
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Commercial Insurance

Commercial business insurance including; Property Managers, Restaurants, Aviation, Farming, Ag Services, Arts & Theaters, Retail, Nonprofits, Dentists, Social Services, Golf Courses, Rental Operations, and many others.  

Protect Your Business with Tailored Insurance Solutions

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Why Tailored Insurance Programs Matter

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Every business has specific needs and risks. A one-size-fits-all insurance program often leaves gaps in coverage that can be costly. Tailoring an insurance program to your business ensures you have the right protections in place, giving you peace of mind and allowing you to focus on what you do best—running your business.

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Why use an Independent Agency?

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As an independent agency, we offer personalized service and unbiased advice. We work with a range of insurers to find the best business insurance quotes tailored to your needs. Our advisors take the time to understand your business and provide customized insurance solutions at the best possible rates.

  • Small Business Insurance: Customized packages including liability and property insurance.

  • Commercial Insurance: Solutions tailored to larger businesses and unique industry needs.

  • Business Liability Insurance: Protects your business from legal claims and financial loss.

  • Commercial Property Insurance: Covers physical assets like buildings, equipment, and inventory

 

Get Your Customized Business Insurance Quote Today

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Don't wait for an unexpected event to find out if your business is adequately protected. Contact us today for a personalized insurance quote and discover how we can help safeguard your business with tailored insurance solutions.

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Business Examples

 
Some of the businesses we write include:

  • Aviation

  • Agriculture

  • Architects & Engineers

  • Arts & Theaters

  • Condo Associations

  • Contractors

  • Dentists

  • Distilleries

  • Financial Institutions

  • Golf Courses

  • Museums

  • Mini Storages

  • Property Development

  • Retail

  • Rental Operations

  • Restaurants

  • Technology

  • Vacant Land

  • and Many More

Business Insurance Types May Include

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Building and Business Personal Property

 

Coverage for Buildings and Business Personal Property (Contents) are usually scheduled to a Property or Business Owners Policy. 

 

A Business Owners Policy combines a Property and General Liability Policy into one. These Business Owners Policies or BOPs can fit many small businesses and offer coverage enhancements that typically have to be added to a standalone Property or General Liability Policy. 

General Liability

The Commercial General Liability policy provides insurance protection needed to pay damages for bodily injury or property damages for which you are legally responsible. The policy also covers accidents occurring on the premises or away from the premises. 

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There are 2 Commercial General Liability coverage forms , Occurrence and Claims-made.  The main difference is the way the claims are handled:

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The Occurrence form covers bodily injury or property damage claims that occur during the policy term, regardless of when the claim is reported.

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The Claims-made policy form only covers claims made against the insured during the policy term. A claim made after the policy expires is not covered by a claims-made policy unless the claim is covered by an extended reporting period.

Workers Compensation

Part 1 of the Workers Compensation or Workers Comp policy covers employees benefits if they are injured or become ill from their employment.  

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These benefits may include:

Medical Care / Treatment

Lost Wages 

Disability Benefits

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Part 2 of the Workers Comp policy provides Employers Liability.  This insurance coverage provides liability coverage for legal costs from an employee or family member bring suit against the business for a on the job injury or illness. 

Business Income & Extra Expense Insurance

 

Property insurance covering the loss of income or extra expense suffered by a business when there is damage to the business premises from a covered cause of loss.  

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Commercial Auto

 

The Commercial or Business Auto policy provides protection against legal liability arising out of the ownership, maintenance, or use of any insured automobile.    You can also add coverage for the Physical Damage of the vehicle.  

Professional Liability

 

Insurance against liability resulting from errors and omissions in performing professional services.  

Cyber Insurance

 

Insurance designed to cover either or both the liability and or property losses from a cyber event or attack. 

Pollution Insurance

Liability insurance needed for costs related to pollution on claims for bodily injury, property damage, and cleanup costs.  

Inland or Ocean Marine Insurance

 

Property insurance for certain types of movable property over land or ocean.  

Other Insurance

 

There are many other types of insurance depending on your exposures. These types include but are not limited to:

  • Flood

  • Earthquake

  • Product Recall

  • Liquor Liability

  • Directors & Officers 

  • Employment Practices

  • Fiduciary Liability

  • and more

Business Insurance Companies

COMMERCIAL MARKETS

 
Access to the leading insurance markets including:

  • Acuity

  • Allianz

  • AM Trust

  • Berkshire Hathaway

  • Beazley

  • The Cincinnati Insurance Company

  • Chubb

  • Central

  • Dairyland

  • Employers

  • GuideOne

  • ​Idaho Counties Risk Management Program

  • Idaho State Insurance Fund

  • Liberty Mutual

  • Mutual of Enumclaw

  • Nationwide

  • Oregon Mutual

  • Philadelphia

  • Progressive

  • The Hartford

  • Selective

  • SIF

  • Travelers

  • USLI

  • WCF 

  • Zurich 

  • and Many More

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