Business Insurance Solutions That Work as Hard as You Do

A BOP bundles your key coverages—like General Liability and Property Insurance—into one convenient package made just for small to mid-size businesses. It protects you from common risks like accidents, property damage, and even certain lawsuits. Think of it as the "combo meal" of business insurance: more coverage, less hassle. It's a great starting point for many business owners.

If your business drives, delivers, hauls, visits customers, or transports tools—your vehicles need commercial coverage. It protects company-owned cars, trucks, vans, and work vehicles from accidents, damage, and liability claims. Personal auto policies usually don't cover business use, so this fills that gap. It keeps your wheels (and your business) rolling smoothly.

This covers the physical stuff that keeps your business running—your building, equipment, furniture, inventory, and more. Whether it's a fire, storm, break-in, or burst pipe, Property Insurance helps repair or replace what's damaged. It's essential for anyone with a storefront, office, or gear they depend on. If it's something you'd be stressed to replace out of pocket, this is the coverage you want.

Umbrella insurance steps in when your regular policy limits are maxed out. It's extra protection for those "never thought that would happen!" situations involving big claims or lawsuits. Consider it a financial safety net that sits above your other policies. When you need a little (or a lot) more coverage, an umbrella has you covered.

Surety Bonds act as a promise that your business will complete a job correctly, ethically, and on time. They're often required for contractors or specialty trades bidding on projects. It helps show clients and municipalities that you're trustworthy and credible. Basically, it's your business saying, "You can count on us."

Workers Comp helps protect your employees and your business when someone gets hurt on the job. It covers medical bills, lost wages, and rehabilitation so employees can recover safely. Most states require it once you have employees. Think of it as peace of mind for you and your team.

General Liability covers the everyday risks: slip-and-falls, damaged property, and certain lawsuits your business might face. If someone gets hurt at your location—or you accidentally damage a client's property—this is the policy that steps in. It's often the first and most essential coverage for businesses of all sizes. Consider it your business's shield against common mishaps.

Despite the name, this coverage isn't about boats—it's actually protection for equipment, tools, or materials that move from place to place. Perfect for contractors, mobile businesses, and anyone who takes gear on the road. It covers items that traditional property insurance often can't. If your tools travel, Inland Marine keeps them protected.

Professional Liability covers mistakes, oversights, or bad advice that accidentally causes a client financial loss. It's essential for consultants, agents, designers, service providers, or anyone offering expertise. Even when you're great at what you do, misunderstandings or unexpected issues can happen. This policy helps protect your reputation—and your business—when things don't go exactly as planned.