Exclusive High-Net-Worth Insurance Solutions from Our Agency

• Injuries & Property Damage: Coverage for medical bills, repairs, and legal fees when someone gets hurt or property is damaged.
• Products & Completed Work: Protection when finished work or sold goods cause harm.
• Personal & Advertising Injury: Defense against slander, copyright issues, or advertising claims.
• Medical Payments: Covers minor on-site incidents quickly, even without legal liability.
• Damage to Rented Property: Helps pay for accidental damage to leased or rented property.

There’s a good reason this is the most common small business policy. If you interact with customers, clients, or the public, there’s always a risk.

• Electricians, landscapers, caterers, photographers
• Food trucks, real estate agents, service professionals
• Any business required to show proof of coverage in contracts or leases

• Protects Your Bottom Line: Avoids financial damage from lawsuits, settlements, or injury claims.
• Puts Clients at Ease: Shows professionalism and responsibility.
• Keeps You in Compliance: Meets many legal or lease obligations.
• Gives You Confidence to Grow: Peace of mind to scale your business.

There’s no one-size-fits-all. Consider:

• Your industry and specific risk exposure
• Employee count or subcontractor involvement
• Legal or client contract minimums (e.g., $1M per occurrence)
• Location and your claims history

• Your own tools, gear, or inventory
• Employee injuries (this is for customers and third parties not workers; that’s Workers’ Comp)
• Professional mistakes or missing deadlines (that’s why you’d need professional liability insurance)

Note: Add-ons are available like for vehicles, cyber liability, or umbrella policies for added protection.