Production insurance
Production insurance
- Per-project and annual production policies
- Equipment, third-party property, extra expense
- Certificates for locations and rental houses
- Home
- Business insurance
Business insurance
Business insurance
The standard commercial lines, placed one at a time or as a package, with the exclusions named up front. Most standard classes can be quoted online in minutes.
Lines of business
Standard commercial lines
- General liabilityThe foundation policy for any business with a premises, customers, contracts or a certificate request: third-party bodily injury, property damage, and personal and advertising injury.
- Commercial propertyCoverage for the building you own or the space you lease, and the equipment, furniture, inventory and improvements inside it.
- Workers' compensationMedical care and wage replacement for employees injured or made ill by their work, required of almost every employer in Minnesota and most other states.
- Commercial autoLiability and physical damage for vehicles your business owns, leases, rents or borrows, including employees driving their own cars on company business.
- Business owner's policyGeneral liability, commercial property and business income in one package, built for small and mid-size businesses with a premises and low-hazard operations.
- Cyber insuranceBreach response, business interruption, extortion and third-party liability for businesses that hold client data, run on cloud systems or get paid online.
Specialty
Where the standard package stops
Content, advice and production are not covered by a general liability policy. These lines are.
Media liability
Media liability
- Defamation, privacy, copyright and trademark
- Agencies, publishers and post houses
- Defense costs explained
Professional liability (E&O)
Professional liability
- Errors and omissions for service firms
- Claims-made structure and retroactive dates
- Contract requirements matched
Packages
One policy or several?
Small, low-hazard businesses usually fit a business owner's policy. Larger or unusual operations use a commercial package with each coverage set separately.
Either way the parts are the same: liability for what you do to others, property for what you own, workers' compensation for the people you employ, auto for the vehicles, and cyber for the data. The job is making sure each part is sized to the business and that nothing falls between them.
Already insured elsewhere?
Send the declarations pages. We will tell you what we would change and what we would leave alone. If the answer is "nothing", you will hear that too.
Quote online, or talk it through.
Standard lines take minutes online. Anything with a wrinkle, call or email and we will tell you what we need.