Your small construction business needs several of the same insurance coverages as any other business, as well as other types of insurance specific to your industry.

When it comes to insurance, few businesses have more needs than restaurants and bars. From everyday coverages like liquor liability and business personal property to more intricate options like assault and battery and employment practices liability insurance (EPLI), we can walk you through them so you’re fully informed and confident that your business is insured the way you need it to be.

Whether you’re a photographer, a DJ, or you sell crafts on the internet, your home-based business needs the same level of protection as a brick-and-mortar operation. Get a quote so you can obtain a policy that can provide your home-based business with general liability, professional liability, business personal property, data security, and more.

For most farms or ranches, the most cost-effective and efficient way to obtain property and liability coverage is with a package policy that combines a variety of coverages in a single contract, similar to a business owner policy.

Property Coverage: The property section of a farm package policy typically provides coverage for dwellings on the farm, including mobile home, household personal property, both scheduled (listed) and unscheduled (unlisted) farm personal property, and other farm structures. There are many other types of coverage, including:

• Transportation floater
• Livestock coverage
• Crop insurance
• Liability coverage

Up to the policy limit, the liability section protects the farmer, rancher, or similar agricultural establishment owner from claims alleging bodily injury or property damage caused by an incident involving the premises or operations of the insured.

If you live in a development or community that’s governed by a homeowners association (HOA), you might end up paying less for individual homeowners insurance than the average home.

HOAs are responsible for buying insurance that covers all public, common areas of the development.

HOA Master Insurance Policy

• Many HOAs carry what’s known as a “master policy.” These policies typically provide coverage for both damage and personal injuries.
• Policy should cover shared spaces such as roofs, common walls, lobbies, stairways, elevators, fitness centers, pools, playgrounds, and clubhouses.
• The HOA should also purchase general liability insurance for lawsuits or medical expenses filed by people injured in common areas of the property.

Coverage Unit Owners Should Purchase

Plan on buying an individual insurance policy (often called a condominium policy) both for your own protection and because, if you're taking out a mortgage loan, your lender will require it.

Apartments

We offer customized insurance solutions for your rental property needs. Coverage options include protection for your property, business, and liability.

• Property insurance — This insurance covers the damage or destruction of buildings, equipment, inventory, and more.
• General liability insurance — This insurance covers costs if someone is injured in your location.
• Business income insurance — Replaces lost revenue and covers expenses if the business must close or move due to fire, wind, or other covered losses.

Errors and omissions

Errors & Omissions/professional liability insurance protects businesses against loss due to a claim of negligence, error, or omission by the business.

Directors’ and Officers’ Liability

Directors’ and officers’ liability policies protect associations, corporate officers, managers, and directors against claims from shareholders, government agencies, employees, and other parties alleging mismanagement.

General liability policies typically address claims that arise out of an insured person’s or business's liability for injuries and/or property damage caused by multiple factors:

• Ownership of property
• Manufacturing operations
• Contracting operations
• Sale or distribution of products
• Operation of machinery

Garage liability coverage is tailored for businesses specializing in vehicle sales and repairs. It covers auto salesrooms, used-car lots, service stations, and repair garages for bodily injury and property damage.

Premiums are based on the payroll of the business.