Business Insurance by Industry

Contractors face job-site injury, property damage, defective-work claims, and equipment loss. Coverage often starts with general liability and workers' compensation and grows with inland marine, commercial auto, and builders risk depending on the project.

Restaurants and hospitality businesses face slip-and-fall claims, kitchen fires, food contamination, equipment breakdown, and liquor exposure. Coverage typically combines general liability, property, equipment breakdown, and liquor liability.

Retailers carry customer-injury exposure, inventory and theft risk, and cyber exposure from payment processing. A BOP or package combining property and general liability, with cyber and crime options, is a common starting point.

Professional services and consultants face errors-and-omissions claims tied to their advice, plus general liability for premises and clients. Professional liability is the core coverage here, complemented by general liability and, for firms with staff, EPLI.

Technology companies face technology E&O, cyber, and intellectual-property exposure tied to their products and data handling. Coverage often combines technology-specific professional liability with cyber liability and general liability.

Manufacturers carry product liability, equipment breakdown, workers' compensation, and property exposure. A program often combines property, general liability with products coverage, workers' compensation, and equipment breakdown, with pollution considerations where materials are involved.

Wholesalers and distributors hold inventory, move goods, and face product and transit exposure. Coverage often combines property, general liability with products exposure, inland marine or cargo, and commercial auto for owned fleets.

Commercial property owners protect buildings, tenants, and liability from premises conditions. Coverage often includes commercial property, general liability (often as a landlord package), umbrella, and flood or earthquake where the location warrants.

Auto repair shops carry customer-vehicle damage, garage liability, employee injury, and pollution exposure from fluids. Garage keepers and general liability, workers' compensation, and pollution considerations form a typical program.

Healthcare practices face professional liability tied to patient care, privacy breaches of patient data, and general premises exposure. Medical professional liability, cyber, general liability, and EPLI are commonly considered together.

Nonprofits face board governance claims, volunteer injury, event liability, and benefit-plan fiduciary exposure. D&O, general liability, EPLI, and fiduciary liability form a common program; special events and volunteers add specific considerations.

Agriculture and wineries carry crop and inventory exposure, equipment and production risk, hospitality and tasting liability, and seasonal workers. Property, general liability, liquor liability for tasting rooms, workers' compensation, and inland marine are commonly considered.

Transportation and delivery businesses face auto liability, cargo loss, employee injury, and exposure to long-haul or last-mile conditions. Commercial auto, motor truck cargo, workers' compensation, and general liability form a typical program.