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Commercial Auto

Commercial auto insurance is the insurance you need if your business uses any kind of vehicle, from a small sedan to a construction vehicle. For businesses that rely on their vehicles, business car insurance or commercial truck insurance provides a safety net in cases of accidents involving equipment, employees, or third parties.

  • Occurrence Form

  • 4 vehicles or less

  • 200 mile radius from primary address

  • No drivers under 18, or over 70 years old

  • 3 different policies available: Basic, Pro, Pro+

Coverages available (not all limits available on all policy types)

  • Bodily Injury and Property Damage

  • Up to $1M limit

  • $0 deductible

  • Comprehensive and Collision

  • Actual cash value

  • $500 deductible

  • Medical Payments

  • $5,000 limit

  • $0 deductible

  • Uninsured and Underinsured Motorist Bodily Injury

  • Up to $1M limit

  • $0 deductible

Currently available in: AL, AR, AZ, CA, CO, CT, DE, IA, ID, IL, IN, KS, KY, ME, MD, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, TX, UT, VT, WI, WV, WY

Professional Liability

Professional liability insurance, commonly known as E&O (Errors & Omissions), protects businesses against civil lawsuits and negligence claims. As opposed to general liability insurance, which covers accidents, professional liability insurance covers professional mistakes.

  • Claims Made form

  • Payroll limit - $5M

  • 3 different policies available: Basic, Pro, Pro+

  • Per Claim Limits: $250K/$1M/$1M

  • Aggregate Limits: $250K/$1M/$2M

  • Target classes include: Architects, Consultants, Engineers, Entertainment, Health and Safety, Home Staging, Industrial Engineers, Professional Offices, Property Managers

Currently available in: AL, CA, CO, CT, GA, HI, IA, ID, IL,KS, KY, LA, ME, MD, MN, MS, MT, ND, NE, NH, NJ, NV, OR, PA, RI, SC, SD, TN, TX, VT, WI, WV, WY

General Liability

General liability business insurance covers your business in case of many types of accidents that happen to other people during your work. It includes accidents that cause physical harm or property damage to others, and copyright infringement.

  • Occurrence form

  • $0 deductible

  • Revenue limit - $5M

  • 3 different policies available: Basic, Pro, Pro+

  • Occurrence Limits: $500K/$1M/$1M

  • Aggregate Limits: $500K/$1M/$2M

  • Target classes include: Artisan Contractors, Consultants, Designers, Financial Services, Health and Fitness, Services, Retail and Hospitality

Currently available in all states, EXCEPT NY

**FL: only artisan contractors and fitness classes available

All products are written through State National, with the exception of TX, which is written through NEXT Insurance