GL
General Liability
Third-party bodily injury, property damage, and certain personal and advertising injury claims.
BOP
Business Owners Policy
A package that may combine property and liability coverages for eligible businesses.
CP
Commercial Property
Buildings, business personal property, valuation, causes of loss, and business income.
CA
Commercial Auto
Owned, hired, and non-owned auto risks, driver schedules, and vehicle use.
TR
Trucking
Motor carrier liability, physical damage, cargo, filings, radius, and operational details.
WC
Workers Compensation
Statutory benefits, payroll classifications, audits, and employer liability.
PL
Professional Liability
Claims alleging errors, omissions, or failures in professional services.
CY
Cyber Liability
Data breach, privacy, network security, incident response, and business interruption.
B
Bonds
Surety obligations for licenses, contracts, courts, and other requirements.
EPL
Employment Practices
Claims involving alleged wrongful employment practices, subject to policy terms.
Contractors
Review operations, locations, revenue, payroll, contracts, equipment, vehicles, customers, and loss history.
Restaurants
Review operations, locations, revenue, payroll, contracts, equipment, vehicles, customers, and loss history.
Retail
Review operations, locations, revenue, payroll, contracts, equipment, vehicles, customers, and loss history.
Professional offices
Review operations, locations, revenue, payroll, contracts, equipment, vehicles, customers, and loss history.
Transportation
Review operations, locations, revenue, payroll, contracts, equipment, vehicles, customers, and loss history.
Landlords
Review operations, locations, revenue, payroll, contracts, equipment, vehicles, customers, and loss history.
Small businesses
Review operations, locations, revenue, payroll, contracts, equipment, vehicles, customers, and loss history.
A strong commercial review starts with accurate information
Business descriptions, ownership, locations, payroll, sales, subcontractor use, driver lists, vehicle radius, certificates, contracts, and prior losses can materially affect underwriting and coverage.
A certificate of insurance is evidence of insurance; it does not independently amend the policy or guarantee that a contractual requirement is satisfied.
