General liability, workers' comp, commercial auto, BOP, and more. Gatson Life & Financial Group compares options for businesses nationwide so you get the coverage your clients, contracts, and state require.
General liability usually doesn't cover cyber. Cyber liability can help with breach response, ransomware costs, and liability when customer data is involved. Coverage details vary by carrier.
Third-party injuries, property damage, and lawsuits.
Learn moreEmployee injuries, medical bills, and lost wages.
Learn moreTrucks, vans, fleets, and employee drivers.
Learn moreLiability, property, and business interruption bundled.
Learn moreClaims that your advice or service caused a client financial loss.
Request a quoteData breaches, ransomware, and customer notification costs.
Learn moreMost start with general liability. Add workers' comp once you have employees (required in most states), commercial auto for business vehicles, and property or a BOP if you have a location, equipment, or inventory. Service businesses often add professional liability.
A COI is a one-page summary proving you carry coverage. Clients, landlords, and general contractors often request one before you start work.
Many contracts ask you to name the client as an additional insured, which extends parts of your liability coverage to them. Send us the contract's insurance section so we can match its wording.
Have ready: business name and address, what you do, years in business, estimated revenue and payroll, number of employees, vehicles and drivers, and any past claims. We compare carriers and walk you through the options.
Workers' comp is required in most states once you have employees, and business-owned vehicles need at least state-minimum auto liability. Other coverage is usually required by contracts, leases, or licensing boards rather than law. Varies by state.
It depends on your industry, location, revenue, payroll, vehicles, claims history, and the limits you choose. Rates vary by carrier and state, so the best answer is a quote.
Yes. Many carriers write new businesses. You may be asked about your experience in the industry.
Yes, usually. An LLC can help separate personal and business assets, but it doesn't pay for claims, lawsuits, or damage. Insurance does.
Often. A BOP bundles liability and property, and some carriers package other coverages too. Options vary by carrier.
Usually only in a very limited way, if at all. Most home-based businesses need their own liability and property coverage.
It adds extra liability limits above your general liability, commercial auto, and employer's liability policies. It's useful when contracts require higher limits.
Yes. You can typically add vehicles, employees, locations, or additional insureds during the policy term. Premiums may adjust.
We work with carrier partners nationwide. Available products and carriers vary by state, so tell us where you operate.
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