Commercial Lines

What We Insure

Monoline Coverages or Package Available including General Liability, Property, Professional, Umbrella/Excess and more!

Targeted Classifications Include:

  •  Apartments
  •  Artisan Contractors
  •  Auto Repair & Service
  •  Bars, Restaurants, Taverns
  •  Banquet & Catering
  •  Beach & Swim Clubs
  •  Boarding & Rooming Houses
  •  Carpentry
  • Car Washes
  •  Clubs & Non-Profits
  •  Coastal Property
  •  Community Associations
  •  Concessionaires & Vendors
  • Convenience Store/Deli
  • Condos: Owners & Investors
  • Contractors
  • Dwellings
  • Day Care / Child Care
  • Farms & Ranches
  • Fitness Centers & Health Clubs
  • Gas Stations
  • Handyperson
  • Habitational
  • Home Based Businesses
  • Home Owners Association
  • Hotel/Motels
  • Landscapers
  • Lessors Risk
  • Mobile Home Parks
  • Offices
  • Janitors
  • Manufacturers & Distributors
  • Mercantile
  •  Property Managers

What Is Commercial Lines Insurance?

Commercial lines insurance is a subset of property and casualty insurance. Where life, health, disability and long-term care insurance insure people, and not things, these lines of insurance are called “personal lines.” Property and casualty covers the risk of loss or damage to things, or liability that may arise from an accident or negligence. Commercial lines are lines of insurance that cover businesses, rather than property belonging to an individual.

Workers Compensation

Workers compensation insurance ensures that workers injured on the job have access to medical care and rehabilitative services. Most jurisdictions require that employers maintain workers’ compensation coverage. This coverage protects the business as well: If the medical issue can be resolved and the accident or injury victim made whole through workers compensation insurance, there may be no need to sue the employer.

Commercial Multiple Peril

Commercial Multiple Peril coverage provides general liability coverage for businesses against all manner of potential risks. Contracts vary by the issuing company and the jurisdiction, but multiple peril generally covers businesses against the risk of employee theft, crime, automobile accidents, injury, boiler and machinery failure, and other similar items.