Industries We Cover
Built around how each trade actually carries risk.
A roofing contractor and a software firm both need insurance — but the forms, limits, and carriers that make sense for each are entirely different. We specify coverage by industry, not by package.
Contractors & Trades
Roofing, framing, electrical, plumbing, HVAC, and general contracting — all carry significant liability and workers' comp exposure. We build policies that meet contract certificate requirements and protect your crew.
- →General liability with completed operations
- →Workers' compensation for all field staff
- →Commercial auto for trucks and vans
- →Tools and equipment floater
- →Builder's risk for active job sites
Retail & Hospitality
High foot traffic, significant inventory, and daily cash handling make retail and hospitality a complex risk. We cover the property, the liability, and the income that disappears when the doors have to close.
- →Commercial property for building and inventory
- →General liability for customer injury claims
- →Business interruption for closure events
- →Liquor liability for licensed premises
- →Crime and employee dishonesty coverage
Professional Services
Consultants, accountants, engineers, and IT firms carry risk in the work they deliver, not just the space they occupy. We build policies that cover both — the premises and the professional output.
- →Professional liability (E&O) for service and advice claims
- →General liability for client-facing premises
- →Cyber liability for client data handling
- →Employment practices liability
- →Directors and officers for incorporated firms
Manufacturing & Distribution
Equipment, inventory, workforce, and fleet all need coordinated coverage. A shutdown at any point in the chain can cascade into income losses that a single policy won't cover.
- →Commercial property for building, machinery, and inventory
- →Equipment breakdown coverage
- →Workers' compensation for production staff
- →Commercial auto for delivery fleet
- →Business interruption for production shutdowns
Real Estate & Property
Whether you own, manage, or develop — property carries liability and physical loss exposure that varies by occupancy, tenant mix, and building age. We specify coverage that matches how the property is actually used.
- →Commercial property for owned buildings
- →General liability for tenant and visitor claims
- →Landlord's legal liability
- →Vacancy coverage for unoccupied units
- →Directors and officers for condo corporations
Transportation & Logistics
Fleet size, cargo value, driver records, and route exposure all affect how this risk is priced and placed. We work with standard and specialty markets to find carriers that understand the operation.
- →Commercial auto for all owned and leased vehicles
- →Cargo liability and physical damage
- →Hired and non-owned auto for contracted drivers
- →Trailer interchange coverage
- →General liability for loading dock and warehouse operations
Don't see your industry?
We cover more industries than we can list. Tell us what you do.
Hard-to-place risks are a specialty. Email us and we'll tell you what markets we can access for your account.