Commercial Insurance
One claim shouldn't close your doors.
We shop 12+ A-rated carriers to build commercial coverage that fits your trade — not a generic package.
No obligation. We do the shopping — you keep the savings.
Who we cover
The wrong policy fails at the exact moment you need it.
Every trade carries a different exposure. Here's what a generic, one-size-fits-all package quietly leaves uncovered — and what we build around instead.
Contractors & trades
Tool theft, jobsite injury, subcontractor gaps. Your risk moves from site to site — your coverage has to move with it.
Wrong policy leaves out: stolen tools & sub liabilityRetail & restaurants
Slip-and-fall, spoilage, liquor liability.
Missing: spoiled inventory & liquor claimsOffices & professional services
E&O, cyber, client property in your care.
Missing: errors, breaches & data lossAuto & fleet businesses
Hired & non-owned auto, physical damage on the vehicles that run your business.
Missing: hired & non-owned exposureLandlords & property owners
Premises liability, loss of rents when a unit goes dark.
Missing: lost rental incomeContractors' equipment & tools
Inland marine coverage for the gear that leaves the shop every day.
Missing: off-premises equipmentSame fire. Two outcomes.
The difference isn't the premium. It's what happens after the claim.
The cheap online quote
General liability only.
- $18K storefront fire = business closed 4 months.
- Business interruption? Not covered.
- Payroll during rebuild? Out of pocket.
The policy we'd have written
Business Owner's Policy with business interruption + lost income.
- Same fire — doors reopen.
- Carrier covers rent and payroll while you're closed.
- Carrier covers the rebuild.
We shop the market
One form. 12+ A-rated carriers competing for your business.
You don't call twelve insurers and decode twelve quotes. We do — then lay the real options side by side.
The generic online package
Same premium, same for everyone
- General liability only — no trade-specific endorsements
- Tool theft off-premises excluded
- No business interruption income
- One rate, no shopping — you overpay or underinsure
Your trade-built policy
Priced and packaged for your work
- Endorsements matched to your exact trade
- Tools & equipment covered on and off the jobsite
- Business interruption + lost income built in
- 12+ carriers compared — best fit AND best price
The Erie advantage
Backed by a carrier that fixes risk, not just pays for it.
Erie Insurance is our anchor carrier for commercial accounts — chosen for stability, service, and a claims record that holds up when a discount carrier would push back.
Loss control that prevents claims
Erie's risk consultants walk your operation and flag hazards before they cost you a claim.
One agent, every renewal
No call-center roulette. You get a named local agent who knows your business year over year.
A-rated carrier stability
Erie backs claims that some discount carriers dispute — the coverage holds when you need it.
Erie is our anchor carrier — but we place your business wherever the fit and price are best across 12+ carriers. Independent means we work for you, not one insurer.
"They caught that my old policy excluded tool theft on jobsites. Fixed it, and my premium still dropped $1,400."
"When a pipe burst, business interruption covered six weeks of payroll. I'd never have added it myself."
How it works
Three steps. A real agent at every one.
Tell us about your business
A few questions on your trade, revenue, vehicles, and employees. That's it — no paperwork marathon.
We shop 12+ carriers
We compare coverage AND price, side by side, so you can actually see the difference — not just the cheapest number.
You pick, we bind
Review the options with a real agent, choose the one that fits, and we bind it. Done.
Get a commercial quote built for your trade.
One short form. We shop the market and come back with real options — no obligation, no broker fee.
We reply within one business day. Prefer to talk? Call (555) 018-2400.
Don't find out about the gap after the claim.
Independent, local, and shopping 12+ carriers so your business is covered for what actually threatens it — not just what fit in a generic package.
Mon–Fri 8am–6pm · Sat by appointment