Who we insure
If it's a business, we'll find the market for it.
A sample of the businesses we work with, and the risks worth reviewing for each. Don't see yours? We place every kind of risk.
Auto dealersDealers carry inventory on the lot, customers on test drives and staff moving vehicles every day.Auto repair & garagesRepair shops are responsible for customers' cars while they're in the bays, on the lift and on test drives.Bars & nightlifeAlcohol, late hours and crowds make bars and clubs harder to place than most businesses, which is where specialty markets come in.Beauty salons & barbershopsSalons and barbershops provide hands-on services with chemicals, tools and booth renters in the mix.Churches & religious organizationsPlaces of worship host services, youth programs, events and volunteers in buildings that are often older and larger than they look.Cleaning & janitorialCleaning crews work inside clients' buildings, often after hours and often with keys and alarm codes.Daycare & childcareCaring for children brings unique liability, and many standard policies limit the coverages childcare centers need most.Delivery & courier servicesLocal delivery, last-mile and courier businesses live on the road, often with drivers using their own vehicles.E-commerce & online sellersOnline businesses ship products, store customer data and rely on platforms and payment processors that can fail.Events & venuesVenues and event businesses host crowds, set up equipment and sign contracts with strict insurance requirements.Fitness & gymsGyms, studios and trainers deal with physical activity, equipment and members who sign waivers that may not cover everything.General contractors & buildersResidential and commercial builders juggle job-site injuries, subcontractors, equipment and contract requirements on every project.Home health & senior careCaregivers work in clients' homes, drive between visits and handle sensitive health information.Hotels & hospitalityHotels and lodging businesses host guests around the clock, with property, liability and staff exposures to match.Landscaping & lawn careLandscapers work outdoors on clients' property with heavy equipment, trailers and seasonal crews.ManufacturingManufacturers face equipment, workforce and product risks that ripple through their customers and supply chain.Marine & boat businessesMarinas, charters, boat dealers and repair yards work on and around the water with specialized exposures.Medical & dental officesPractices carry patient care risk, valuable equipment and sensitive records, and they depend on staying open.NonprofitsNonprofits run on volunteers, donations and boards, and they face many of the same risks as for-profit businesses.Professional servicesConsultants, accountants, agencies and other advisors sell expertise, so their biggest exposure is a client saying the advice cost them money.Property owners & landlordsCommercial and residential property owners carry the building, the tenants and the liability that comes with both.Real estate agents & brokeragesAgents and brokerages handle transactions, client funds and sensitive data, and errors can be costly.Restaurants & food serviceKitchens, dining rooms and delivery each bring their own risks, from slip-and-falls to spoiled inventory.Retail storesShops deal with customers on the floor, inventory on the shelves and payments at the register.Schools, tutoring & trainingPrivate schools, tutoring centers and training programs care for students and deliver instruction that parents and clients rely on.Security guard servicesSecurity firms put guards in high-risk situations and sign contracts that carry heavy liability.Skilled trades (HVAC, plumbing, electrical)Trades work inside customers' homes and businesses, with vans on the road and tools that travel from job to job.Startups & new businessesNew businesses often need coverage before they have a track record, and investors, landlords and clients may require it on day one.Technology & softwareTech companies handle data, write code clients depend on and often sign contracts that require specific coverage.Trucking & transportationFrom a single owner-operator to a fleet, trucking needs several coverages working together, and contracts often spell out exactly which ones.Wholesale & distributionDistributors hold inventory in warehouses, move it on trucks and stand between manufacturers and customers.
No match in this list, and that's fine. We place every kind of risk. Tell us about your business →
Don't see your industry?This is a sample, not a limit. Tell us what you do and we'll find the right market.
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