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Common Types of Insurance


General Liability

General Liability protects your business against claims or lawsuits arising out of normal business activities. It would provide defense costs even if the lawsuit is frivolous.



Bonds are different from normal insurance. They’re usually required by cities or states when applying for a license. Common types of bonds include Fidelity, Surety, License and Bid Bonds.


Business Owners Policy/BOP

A BOP combines both General Liability and property coverage. Usually used for retail or smaller businesses. It can also be great for home based businesses.


Workers' Compensation Insurance

Workers' comp is required when you have employees. It provides coverage to your employees if injured on the job. It can also be required for independent contractors, sometimes referred to as a zero payroll policy or “ghost policy”.