Install
Liability industries
- Construction and trades 10
- Food and hospitality 8
- Retail and e-commerce 5
- Professional services 8
- Technology and media 4
- Healthcare 8
- Transportation and auto 6
- Real estate 5
- Personal services and fitness 6
- Manufacturing and wholesale 3
- Nonprofits and institutions 3
- Agriculture 1
- Security and staffing 2
Architect and engineer insurance What design firms need: practice and project professional liability, contract clauses that void cover, GL, cyber, pollution and a BOP for the office. Auto dealer insurance What new and used car dealers need: garage liability, dealers open lot physical damage, garagekeepers, state dealer bonds, floorplan lender terms and cyber. Auto repair shop insurance What repair shops and body shops need: garage liability, garagekeepers for customers' cars, property, pollution, workers' comp and tools. Bakery insurance Insurance for retail and wholesale bakeries: GL and product liability for allergens, oven and mixer breakdown, spoilage, delivery vehicles and workers' comp. Bar and tavern insurance Why a bar needs its own liquor liability: dram shop exposure, assault-and-battery limits, general liability, comp, property, and what licenses require. Brewery, winery and distillery insurance Insurance for craft breweries, wineries and distilleries: product liability and recall, taproom liquor liability, stock and spoilage, fire, and federal bonds. Catering insurance Insurance for caterers: GL with food liability, host liquor and venue requirements, delivery auto, equipment cover and event exposures. Child care center insurance What child care centers need: GL with abuse and molestation coverage, state licensing insurance rules (Texas, Minnesota), transport auto, and workers comp. Chiropractor insurance What chiropractic practices need: malpractice with true consent to settle and tail, BOP, cyber and HIPAA, billing-audit defense, workers' comp and EPLI. Church insurance What churches need: property at replacement cost, general liability, abuse and molestation cover, pastoral counseling, workers' comp, volunteer driving and D&O. Cleaning business insurance Janitorial, office and residential cleaning insurance: the care, custody and control gap, comp class codes, janitorial bonds, and what building owners require. Coffee shop insurance What coffee shops and cafes need: GL with hot-beverage claims, property and equipment breakdown, spoilage, comp, and roasting or wholesale add-ons. Consultant insurance Professional liability (E&O) is the core cover for consultants; also GL, cyber, contract requirements and the home-office and subcontractor traps. Convenience store and gas station insurance Robbery, fuel and tank pollution, alcohol and tobacco sales, spoilage and late hours drive convenience store and gas station insurance. Counselor and therapist insurance Counselor and therapy practices: professional liability, telehealth, license defense, abuse sublimits, cyber and HIPAA, and state mandates such as Wisconsin. Courier and delivery insurance What courier and delivery businesses need: commercial auto, hired and non-owned auto, cargo, GL and comp, and how gig-platform coverage differs from your own. Dental practice insurance What dental practices need: professional liability with consent to settle and board defense, BOP, cyber and HIPAA cover, workers' comp, EPLI and DSO structures. E-commerce business insurance Product liability, marketplace insurance requirements, stock at fulfillment centers, cyber and shipping losses for online sellers. Electrician insurance Electrician insurance: fire and completed-operations liability, workers' comp for shock and falls, solar and alarm exposures, and state license insurance rules. Event planner and venue insurance What event planners and venues need: GL with venue additional insured wording, professional liability, cancellation cover, liquor liability and venue contracts. Farm and ranch insurance Farm policies versus commercial coverage, crop insurance, equipment and livestock, workers' comp exemptions by state, H-2A rules and agritourism statutes. Film production insurance What film and video producers need: a production package (cast, media, equipment, extra expense), GL, E&O, auto and comp, and permit and location rules. Food and beverage manufacturer insurance What food and beverage makers need: products liability, contamination and recall cover, spoilage and breakdown, FSMA preventive controls, retailer limits. Food truck insurance What food trucks and carts need: commercial auto, GL with product liability, truck and equipment cover, comp, and the limits cities and events demand. General contractor insurance What a general contractor needs: CGL with the right endorsements, workers' comp, umbrella, builders risk and bonds, and why subcontract terms drive price. Gym and fitness studio insurance What gyms and fitness studios need: GL and professional liability, how far member waivers go, abuse and molestation limits, equipment, AEDs and workers comp. Handyman insurance Handyman insurance depends on staying inside the policy's job-size and trade limits. See the coverages, license thresholds, lead-paint rules and cost factors. Home health care insurance Home health and home care agencies: professional liability, abuse and molestation, hired and non-owned auto, comp, EPLI, cyber and Medicaid bond rules. Hotel and motel insurance Insurance for hotels, motels and inns: property and business income, guest liability, innkeepers coverage, comp, liquor, cyber and franchise requirements. HVAC contractor insurance HVAC contractor insurance: liability for fire, carbon monoxide and water damage, refrigerant rules, workers' comp, tools, and state license insurance minimums. Landlord insurance What landlords need: a DP-3 or commercial property policy, liability, loss of rents, and an answer on habitability and fair housing claims. Landscaping business insurance What mowing, lawn care and landscape installation businesses need: GL, comp, auto, equipment, pesticide cover, and what state rules and clients require. Manufacturer insurance What manufacturers need: products liability, recall, property with equipment breakdown, workers' comp for plant hazards, vendor's endorsements and contracts. Marketing agency insurance What marketing, advertising and PR agencies need: E&O with media liability, general liability, cyber, crime for client funds, and what client contracts demand. Medical practice insurance What physician practices need: malpractice (claims-made vs occurrence, tail), state patient fund rules, cyber and HIPAA breach cover, EPLI, property and comp. Nonprofit insurance What nonprofits need: general liability, D&O, EPLI, crime, event and volunteer-driver cover, and what the federal Volunteer Protection Act does not do. Painting contractor insurance Insurance for painting contractors: GL and completed operations, workers' comp for ladder and height work, lead-paint pollution gaps, and contract requirements. Personal trainer insurance What personal trainers need: their own professional and general liability when independent, abuse sublimit questions, client-site coverage and equipment. Pest control insurance Pest control insurance: state liability minimums (CA, FL, TX, MN, IN), pollution and fumigation gaps, termite warranties, and what drives the premium. Pet business insurance What groomers, boarders, sitters and walkers need: animal bailee for pets in your care, GL for bites, vet reimbursement and homeowners policy gaps. Pharmacy insurance What pharmacies need: pharmacist liability, compounding terms, BOP with refrigeration cover, cyber and HIPAA, the DMEPOS bond and license defense. Photographer and videographer insurance What photographers and videographers need: GL for venues, an equipment floater, professional liability for lost images, and drone and workers comp issues. Physical therapist insurance PT practices: professional liability with license defense, abuse sublimits, BOP, cyber and HIPAA, comp for lifting injuries and the DMEPOS bond exception. Plumber insurance What plumbers need: general liability that handles water damage, workers' comp for a high-injury trade, tools and auto cover, and state license insurance rules. Private school insurance What private schools need: property, general liability, abuse and molestation, educators legal liability, student accident, buses, workers' comp and cyber. Property manager insurance What property managers need: E&O, general liability, crime and fidelity cover for owner funds, hired auto, and how to be named on owners' policies. Restaurant insurance What full-service and quick-service restaurants need: GL, property with spoilage, liquor liability, comp, EPLI and cyber, and what leases and licenses require. Retail store insurance What a brick-and-mortar store needs: BOP or package, stock and theft cover, premises and products liability, comp, cyber, and what landlords require. Roofing contractor insurance Roofing contractor insurance: fall-driven workers' comp, liability with height, torch and residential limits, storm-claim laws, and contract and state rules. Salon and barbershop insurance What salons and barbershops need: professional liability for chemical and service claims, GL for slips, and a clear plan for booth renters versus employees. Security guard company insurance What guard companies need: GL with assault and battery cover, armed versus unarmed rating, state license minimums (CA, FL, TX), comp, auto and contract terms. Self-storage facility insurance What self-storage owners need: property, liability, customer-goods and crime cover, how tenant protection plans differ from insurance, and the lien-sale rules. Short-term rental insurance What short-term rental hosts need: a policy written for nightly rental, liability beyond Airbnb's program, and the proof of insurance some cities require. Veterinary practice insurance What vet clinics need: veterinary professional liability, animal bailee, license defense, property, workers' comp, and what boarding or mobile care adds. Wholesaler and distributor insurance What wholesalers and distributors need: products liability, vendor's endorsements, stock and warehouse property, fleet and cargo, forklift injuries, FDA duties.