Commercial, personal, and specialty insurance — plus business and personal development. One firm, every coverage.
Protection from third-party bodily injury, property damage, and lawsuits.
Learn moreCoverage for employee injuries, medical bills, and lost wages. Required in most states once you have employees.
Learn moreE&O coverage for consultants, agents, and service-based businesses.
Liability, collision, and comprehensive coverage from top-rated carriers.
Dwelling, contents, liability, and loss-of-use protection for your home.
Affordable policies that protect your stuff and your liability when renting.
Term, whole, and universal life policies for every stage of your life.
Burial and end-of-life policies so your family isn't left with the bill.
Liability and hull coverage for commercial UAV operators and hobbyists.
Reimbursement and recovery support if your identity is stolen.
Coverage for IRS penalties, audit defense, and tax preparation errors.
Accident, illness, and wellness coverage for the rest of your family.
Tax-advantaged growth and guaranteed retirement income strategies.
Extra liability protection that sits on top of your existing coverage.
Offer design, sales systems, and operations to scale your company past its ceiling.
1:1 mindset, habits, and accountability to become the version of you that you've imagined.
Workshops and trainings that align your people with your mission and metrics.
General liability covers physical risks such as injuries and property damage. Professional liability (E&O) covers financial harm from your advice, mistakes, or missed deadlines. Service businesses often need both.
If a vehicle is titled to your business, driven by employees, or used to haul tools or goods, you likely need commercial auto. Personal policies can deny claims tied to business use.
A business owner's policy bundles general liability and commercial property, and often business interruption too. It's usually the most cost-effective starting point for small businesses that qualify.
An umbrella policy adds extra liability limits on top of your auto, home, or business policies. It kicks in when a large claim exceeds those underlying limits.
If you work with the public, visit client sites, or sign contracts, general liability is usually essential. Many clients and landlords require proof of coverage before you start. Requirements vary by state and contract.
Employee medical bills, part of lost wages, and rehab after a work-related injury or illness. It also protects the employer from most related lawsuits. Whether it's required, and when, varies by state.
Often not for the owner alone, but many states require it once you hire even one employee. Some general contractors also require it from their subcontractors. It varies by state.
Commercial auto covers vehicles used for business. It typically has higher liability limits and can cover multiple drivers and specialized vehicles. Personal auto is designed for commuting and personal errands.
A COI is a one-page document that proves you carry coverage. Clients and general contractors often ask for one before you start work. We can usually issue COIs quickly once your policy is active.
Standard homeowners policies generally exclude flood damage. Flood coverage is usually bought separately, either through the National Flood Insurance Program or private carriers.
No law requires it, but many landlords make it a condition of the lease. It's usually inexpensive and covers your belongings and personal liability.
It typically helps pay for data breach response, customer notification, ransomware, recovery costs, and lawsuits after a cyber incident. Coverage details vary by carrier.
Businesses that give advice or provide professional services, like consultants, agents, designers, and IT providers. It covers claims that your work, advice, or a mistake caused a client financial loss.
It extends parts of your liability coverage to the client for claims arising from your work. Send us the request and contract wording, and we'll issue an updated certificate of insurance once the carrier approves.
It depends on your business, the type of coverage, and the carrier. Simple policies can move quickly; larger or higher-risk businesses may need more underwriting. Having your details ready speeds things up.
It helps replace lost income and pay certain ongoing expenses if a covered property loss, like a fire, forces you to close temporarily. It's often included in a BOP. Terms vary by carrier.
Usually not by general liability or commercial auto. Inland marine (tools and equipment) coverage protects movable equipment on the road and at job sites. Options vary by carrier.
We work with carrier partners that write policies in all 50 states. Which products and carriers are available varies by state, so tell us where you are and we'll confirm your options.
