General liability, commercial property and BOP packages for trades, shops and offices across Tennessee and Florida. I write the coverage your contracts require and explain the certificate before you sign it.
Most small business policies are built from the same pieces. What changes is the limits your contracts, your landlord and your state require.
Third-party injury and property damage. This is the coverage almost every contract and landlord asks you to carry.
Your building, tenant improvements, inventory, tools and equipment.
Liability and property bundled for small operations. Usually the better price than buying the parts separately.
Pays the bills while you are shut down after a covered loss, storm-related or otherwise. The coverage owners regret skipping.
Vehicles titled to the business, plus hired and non-owned exposure when employees drive their own cars for work.
Inland marine coverage for what moves job to job. A personal policy will not pay for stolen work tools.
Contracts often demand specific limits, additional insured status and waiver of subrogation. Buying the wrong policy means failing the audit.
Commercial property in Florida usually carries a separate percentage deductible for named storms, distinct from the standard deductible.
An employee running an errand in their own car can pull the business into the claim. This endorsement is cheap and often absent.
Near the coast, wind coverage is often placed separately, and Florida requires workers comp for most employers at four employees, or one in construction.
Contracts often demand specific limits, additional insured status and waiver of subrogation. Buying the wrong policy means failing the audit.
Coverage is written for a period of restoration. If it takes six months to reopen, a three-month limit leaves you paying the rest.
Payroll and class codes drive the premium. Getting them wrong means a surprise bill at audit, in either direction.
Funds transfer fraud and ransomware are not general liability claims. Small businesses are the common target.
Commercial flood is separate too, and for a ground-floor location it is usually worth carrying regardless of zone.
Need a certificate for a job or a landlord, call or email and I will issue it. Send me the exact wording the other party requires so it passes the first time.
Your current declarations pages, annual revenue, payroll by role, a list of vehicles and equipment, and any contract that spells out required limits.
Fill in the commercial form with your operations and locations and I will take it to the right carriers.