We review your operations, identify potential exposures, and compare available coverage options from multiple insurance companies.
START YOUR QUOTEEvery business faces different risks. Whether you operate a small office, manage commercial property, employ a team, work at customer locations, or depend on vehicles and equipment, the right insurance program can help protect your operations, assets, employees, and financial future.
Insurhaus works with businesses across a wide range of industries. We review your operations, identify potential exposures, and compare available coverage options from multiple insurance companies to help you build protection suited to your business.
A Business Owner’s Policy, commonly called a BOP, combines essential property and liability coverages into one convenient policy. It is often suitable for eligible small and midsize businesses and may provide broader protection at a more competitive cost than purchasing each coverage separately.
A BOP may include:
Commercial Property insurance helps protect the physical assets your business depends on, including buildings, furniture, equipment, inventory, supplies, and tenant improvements. Business income coverage may also help replace lost income and cover certain ongoing expenses when operations are interrupted by a covered loss.
Coverage can be designed for:
Commercial General Liability insurance helps protect your business from claims involving bodily injury, property damage, personal injury, advertising injury, and certain completed operations.
Because every industry has different exposures, coverage should be selected according to your actual operations, customer interactions, work locations, contracts, and use of subcontractors. Insurhaus can help identify important coverage gaps and explain any exclusions that may affect your business.
Commercial Auto insurance helps protect vehicles owned, leased, rented, or used by your business. Coverage may include liability, physical damage, uninsured or underinsured motorist protection, medical payments, hired and non-owned auto liability, towing, and rental reimbursement.
Coverage is available for:
Small businesses need coverage that protects more than the physical workplace. Depending on your operations, protection may include general liability, business property, professional liability, cyber liability, employment practices liability, business income, and workers’ compensation.
We provide insurance solutions for offices, retail businesses, service providers, real estate professionals, medical spas, beauty professionals, consultants, repair shops, and many other industries.
Workers’ Compensation insurance provides benefits required by state law when an employee suffers a work-related injury or occupational illness. Depending on the circumstances, benefits may include medical treatment, rehabilitation expenses, disability payments, and lost wages. The policy also includes Employers Liability coverage for certain employment-related injury claims.
Requirements vary by state, industry, business structure, and number of employees. Workers’ Compensation is generally issued as a separate policy and should accurately reflect employee classifications, payroll, and job responsibilities.
Commercial Umbrella or Excess Liability insurance provides additional liability limits above designated underlying policies, which may include General Liability, Commercial Auto, and Employers Liability.
This coverage can provide an added layer of financial protection when a serious claim exceeds the limits of an underlying policy. It does not operate as stand-alone coverage and requires qualifying underlying liability policies.
Depending on your industry and operations, we can also assist with:
Insurhaus provides personalized guidance and access to multiple insurance companies. We help you understand your options and select coverage that fits your operations, contractual requirements, and budget.
Protect your business with insurance built around the way you work.
Tell us what you need and an Insurhaus advisor will help you review available options.
