Commercial insurance built for business owners who can't afford gaps.
Gatson Life & Financial Group writes general liability, workers' comp, commercial auto, and BOP coverage for contractors, drivers, stores, and growing teams — with fast quotes and personal and specialty policies to back the business.
General Liability
Claims, lawsuits, jobsite risk
Commercial Auto
Work vehicles, trucks, fleets
Workers' Comp
Employee injury coverage
BOP
Property + liability bundled
Built to keep your business moving.
From sole proprietors to multi-location operations, we write commercial coverage that actually fits your industry — general liability, workers' comp, commercial auto, BOP, and more.
Slip-and-falls, third-party claims, lawsuits.
Required protection for your team and payroll.
Trucks, fleets, and company vehicles.
Property + liability, bundled and simplified.
If it needs to be insured, we write it.
Business coverage leads the conversation — then we fill in personal and specialty gaps most agents won't touch.
Liability, property, and operations coverage tailored to your industry.
Personal vehicle coverage with carrier shopping for the best rate.
Protect your house, belongings, and personal liability under one roof.
Affordable protection for your stuff and liability inside any rental.
Vet bills, accidents, and illness coverage for dogs and cats.
Liability and hull coverage for commercial and hobby drone operators.
Monitoring, recovery, and reimbursement when your identity is stolen.
Coverage that helps offset IRS penalties, interest, and audit costs.
Term and permanent options to protect income and your family's future.
Whole life policies sized to cover funeral and end-of-life costs.
Tax-advantaged growth and lifetime income strategies for retirement.
Business & personal development that compounds.
We don't stop at coverage. We help founders scale and individuals level up.
Business Development
Consulting and systems to help entrepreneurs scale offers, teams, and revenue.
Learn morePersonal Development
1:1 coaching, mindset work, and accountability for the next version of you.
Learn moreA licensed advisor and a relentless coach — under one roof.
Most agents sell you a policy and disappear. Most coaches give you affirmations. We do the rare thing — combine both, and stay accountable.
Read our story- Licensed insurance professionals across all 50 states
- Proven coaching frameworks for founders
- Personalized plans — never cookie-cutter quotes
- Transparent pricing and ongoing reviews
- Trusted by families, entrepreneurs, and creators
Questions, answered.
What states are you licensed in?+
We work with carrier partners that allow us to write commercial, personal, and specialty policies in all 50 states. Product availability and carrier options vary by state.
Do I need general liability insurance for my business?+
Most businesses that deal with customers, visit job sites, or rent space should carry general liability. Many landlords, clients, and contracts require it before you can start work. It covers third-party injuries, property damage, and the legal costs if you're sued. Requirements vary by state, industry, and contract.
What does workers' comp cover?+
Workers' compensation pays for medical bills and part of lost wages when an employee is hurt on the job. It usually also protects the employer from related lawsuits. Most states require it once you have employees, but thresholds and exemptions vary by state.
Can my personal auto policy cover my work vehicle?+
Usually not. Personal auto policies often exclude business use like hauling tools or equipment, deliveries, or employees driving. A commercial auto policy covers vehicles used for work and typically offers higher liability limits. Rules vary by carrier.
What is a BOP (business owner's policy)?+
A BOP bundles general liability and commercial property coverage into one policy, often at a lower price than buying them separately. It's built for small and mid-size businesses. Eligibility depends on your industry, size, and carrier.
How do insurance quotes work?+
You share basic details: your business type, revenue, payroll, and vehicles, or for personal coverage your home, car, or age and health. We then shop carriers and come back with options and prices. Requesting a quote is free and doesn't commit you to anything.
How fast can I get a quote?+
Most quote requests are returned within one business day. Urgent commercial accounts can often be quoted same-day.
Do you charge for consultations?+
No. Initial insurance reviews and 20-minute discovery calls for coaching or business development are free.
What's the difference between an IUL and traditional life insurance?+
An Indexed Universal Life (IUL) policy offers permanent coverage with cash value tied to a market index — meaning growth potential plus a downside floor. Traditional term life is pure protection for a fixed period at a lower cost.
Can you really insure drones, pets, and identity theft?+
Yes. We specialize in lines most agents skip — drone liability, pet, identity theft, tax penalty insurance, renters, final expense, and more.
What does business & personal development include?+
Founder coaching, sales systems, accountability programs, and 1:1 personal development. We blend strategy with consistent follow-through.
Ready for a plan that actually fits you?
Book a free 20-minute consult. No pressure, just clarity.
Request your quote