Coverage · 12 commercial lines · ranked by impact
The commercial lines, ranked by what pays.
Most index pages sort by alphabet or premium size. We sort by claim frequency × severity, what's most likely to matter to you in a worst-case year.
The lines we write.
General liability
Foundation lineThe form your contracts demand. Slip-and-falls, property damage, products + completed ops.
Business owner's policy (BOP)
GL + property + BI in one form. The bundle most small businesses start with.
Workers' compensation
Required for any W-2 employees in KS or MO. Classification matters more than the rate.
Commercial auto
Owned vehicles, hired/non-owned coverage, and the endorsements most policies miss.
Commercial property
Buildings, business personal property, business interruption, blanket vs scheduled.
Umbrella & excess liability
Excess liability over GL + auto + employer's liability. $1M-$10M layers.
Professional liability (E&O)
Errors & omissions. Lawyers, accountants, consultants, architects, engineers, IT.
Cyber liability
First-party + third-party cyber. Breach response, business interruption, ransom.
Liquor liability
Restaurants, bars, breweries, special events. Often excluded from standard GL.
Inland marine
Tools, equipment, contractors' equipment off-premises and in-transit.
Builders risk
Course-of-construction coverage on the project itself, often required by the owner.
Rental property (Lessor's risk)
Lessor's Risk Only, structure, premises liability, and loss of rents for landlords.
BOP, the bundle most start with.
Business owners policy: general liability, commercial property, and business interruption packaged into one form, priced for small and mid-sized operations. Cheaper than the components a la carte, with sublimits that mostly fit.
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