Business Insurance

Coverage designed to keep your doors open after a loss and protect the physical backbone of your business:

• Property and equipment
• Business income and extra expense
• General liability
• Commercial auto and fleet
• Workers’ compensation

We help you right-size limits and deductibles, review endorsements, and avoid common gaps that can show up at claim time.

As your business grows, so do responsibilities to employees, customers, and stakeholders. We help you evaluate and place coverage related to:

• Employment practices and HR-related risks
• Directors and officers (for eligible entities)
• Professional and errors & omissions liability
• Fiduciary and crime-related exposures

Our goal is to help you protect both the business and the people who run it.

Specific industries and contracts carry specialized risks, such as construction, manufacturing, professional services, healthcare, logistics, and more. We help you:

• Understand coverage requirements in contracts and leases
• Address project-based or location-specific exposures
• Evaluate specialized policies (for example, cyber or technology-related risks, builders’ risk, inland marine, or environmental exposures where appropriate)
• Coordinate certificates of insurance and compliance documentation

We’ll help you meet requirements without overbuying coverage you don’t truly need.

Insurance is only part of the picture. We also support you with:

• Annual or periodic coverage reviews
• Support during audits and renewals
• Claims reporting guidance and follow-up
• Coordination with safety and risk-improvement initiatives

When something happens, you won’t be left wondering who to call or what to do next.

Builders risk insurance protects a structure while it’s being built, remodeled, or renovated, giving you coverage during the period when a project is most vulnerable. It typically covers the value of the building under construction, the materials on-site before installation, and materials in transit on their way to the job. Whether you’re putting up a new structure or adding a room, a deck, or a major renovation, this coverage helps safeguard the investment until the project is finished and turned over to the owner.

A policy can be written for either commercial or residential projects, and it can be carried by the contractor, the developer, or the property owner—whoever is responsible for insuring the work during construction. Many projects also require specialized addons to match the risks of the job. For example, largescale construction may need coverage for earth movement, and insurers often look for at least a couple of years of commercial building experience before offering coverage on bigger commercial sites.

Builders risk can also cover damage to materials while they’re stored or transported, helping you avoid costly delays or replacements when something goes wrong before installation.

Business interruption insurance keeps your business steady when a property loss threatens to slow you down or shut you down. When damage forces you to pause operations—whether for a few days or a few months, the financial impact can be immediate and significant. Revenue can drop, even though your core expenses don’t take a break.

This coverage steps in from the moment the loss occurs until you’re fully up and running again. It can replace lost profits and help you cover the essential bills that keep your business intact, including rent, payroll, taxes, utilities, and other ongoing obligations. In other words, it helps you hold your ground so you can recover without losing the momentum you’ve worked hard to build.

A Business Owners Policy (BOP) brings together many of the core coverages most small businesses rely on. While each insurer builds their version a little differently, the essentials tend to stay the same. A BOP typically includes property coverage for your building and contents, along with liability protection for the daytoday operations of your business. That liability usually extends to both what happens at your location and any claims tied to your products or completed work.

Some policies also include business income and extra expense coverage, which can help keep your business financially steady after a covered loss. But a BOP isn’t meant to cover everything. It won’t include workers’ compensation, professional liability, or commercial auto coverage. Usually, those need to be added separately to round out your protection.

A commercial auto policy steps in when a vehicle is used for business purposes and meets certain criteria that go beyond simple registration. Factors like who owns the vehicle, how it’s used, and its size or weight all play a role. For example, vehicles owned by a corporation, trucks used to haul goods for hire, or heavier vehicles often require commercial coverage. Some smaller trucks can still qualify for personal auto insurance, but only in very specific situations.

Commercial auto insurance also works differently when it comes to pricing. Unlike personal auto policies, rates aren’t regulated the same way, which means insurance companies compete more directly for your business. That competition can work in your favor, especially when you have someone comparing options on your behalf.

Commercial earthquake insurance helps protect your business from one of the most damaging natural events a property can face. In many parts of the country, earthquakes can cause severe structural damage, disrupt operations, and lead to costly repairs. Most commercial property policies exclude earthquake damage, including issues like broken sprinkler systems triggered by seismic activity, which leaves a significant gap in coverage.

If you own office buildings, industrial facilities, apartments, or other commercial properties in an area where earthquakes are a real possibility, adding dedicated earthquake coverage is a practical way to safeguard your investment. It helps ensure that when the ground shifts, your business isn’t left carrying the full financial burden of rebuilding or repairing.

Commercial property insurance protects the physical backbone of your business, the building you operate from and the assets you keep inside it. “Property” can cover far more than four walls. Depending on your policy, it may include buildings, equipment, computers, inventory, money, valuable documents, and even lost income if a covered loss forces you to slow down or temporarily close.

A strong policy doesn’t just address the damage itself. It also helps you manage the aftermath. Coverage typically protects your property from events like fire, theft, vandalism, and other unexpected losses, and it can support your business while you recover so you’re not left carrying the financial burden alone.

Private carriers rely on their trucks every day to move their own goods, equipment, or materials, and the right insurance keeps that work protected. Whether you’re in construction, excavation, manufacturing, or any other industry that hauls its own cargo, commercial trucking insurance helps safeguard both your vehicles and your business.

A complete trucking insurance program typically includes several key coverages:

• Primary Liability — Required for any trucker operating under their own authority. It covers injuries or property damage you may cause while operating your vehicle. Motor carriers usually provide this coverage for their leased operators, or they require proof that the operator carries it independently.

• Cargo Insurance — Protects the load you’re hauling from loss or damage. While often provided by the motor carrier for leased operators, it depends on the arrangement and the type of freight being moved.

• Physical Damage (Collision and Specified Perils) — Covers repair or replacement of your truck if it’s damaged by events like collision, fire, theft, hail, windstorm, earthquake, flood, vandalism, or other covered causes. This protects the value of your equipment, whether you own one truck or a fleet.

• Occupational Accident (Occ/Acc) — Designed for owneroperators who are selfemployed and may not be covered under statemandated workers’ compensation. While not identical to workers’ comp, it offers similar types of benefits for accidental injury, disability, or death. Many motor carriers require leased operators to carry either workers’ compensation or occ/acc, and for those who qualify, occ/acc is often a more affordable option.

A commercial umbrella policy gives your business an extra layer of protection when a major claim goes beyond the limits of your general liability coverage. Even if you already carry a solid general liability policy, some situations—serious accidents, costly lawsuits, or claims involving multiple parties—can exceed those limits faster than most business owners expect. An umbrella policy steps in to extend that protection so one unexpected event doesn’t threaten the stability you’ve worked hard to build.

This added coverage can help safeguard your business assets, your future earnings, and your peace of mind. It’s a practical way to strengthen your overall risk protection without overcomplicating your insurance program.

Contractor’s general liability insurance supports the wide range of professionals who keep construction projects moving—residential and commercial builders, general contractors, construction managers, designbuild firms, specialty trades, subcontractors, and owners involved in public or private projects. It’s designed to protect against the everyday risks that come with building, renovating, or managing a job site.

Contractor insurance programs can be built to match the needs of a specific project or trade. Policies often include:

• Property — Protection for buildings, materials, and equipment.

• Builders risk / course of construction — Coverage for structures while they’re being built or renovated.

• Liability insurance — Protection from claims tied to accidents, injuries, or property damage.

• General liability — Core coverage for jobsite risks and completed operations.

• Contractor insurance packages — Bundled protections tailored to the trade.

• Commercial auto — Coverage for trucks, vans, and other work vehicles.

• Umbrella — Extra liability protection above primary policy limits.

• Workers’ compensation — Required coverage for employee injuries or workrelated illness.

• Railroad protective — Coverage required when working near or on railroad property.

• Equipment insurance — Protection for tools, machinery, and mobile equipment.

• Contractor bonds — Guarantees that work will be performed as agreed.

Construction work brings a unique mix of exposures—heavy equipment, multiple subcontractors, changing job sites, and strict project timelines. A wellbuilt insurance program helps protect your business from financial loss, keeps projects compliant, and gives clients confidence in your ability to deliver.

General liability insurance is one of those protections that quietly holds a business together. Most contractors and business owners can’t operate without it, because it shields you from a wide range of claims that can arise from everyday work—accidents on a job site, damage caused during operations, or issues tied to the products or services you provide. When something goes wrong, this coverage helps keep one incident from becoming a major setback.

The amount of liability coverage you choose whether one, two, or three million dollars, plays a big role in determining your cost. Insurers also look at the type of work you do, your gross receipts, and your total payroll. Like commercial auto insurance, you’ll typically make a down payment and then pay the rest in installments throughout the year. Because pricing varies from one insurer to another, comparing quotes is one of the most effective ways to make sure you’re getting solid protection at a fair rate.

General liability also protects you from the ripple effects of a claim. If someone who isn’t part of your project gets injured, their attorney can pursue nearly anyone connected to the job. The more people involved, the more doors a lawsuit can knock on. That’s why it’s essential for business owners and general contractors to ensure everyone working under them is properly covered.

Property and equipment insurance is designed to give you reliable protection for the assets your business depends on every day. It covers the essentials—your building, tools, and equipment—so you’re supported when unexpected setbacks occur. With straightforward coverage and dependable service, you can stay focused on your work knowing the things you rely on are well protected.

Business income and extra expense coverage helps keep your operations steady when the unexpected disrupts your workflow. If a covered loss forces you to slow down or temporarily close, this protection helps replace lost income and covers the extra costs it takes to get you back up and running. It’s straightforward support designed to help you stay focused on your team, your customers, and keeping your business moving forward.

General liability insurance helps protect your business from the everyday risks that come with working with people, property, and the public. If someone is injured or their property is damaged because of your operations, this coverage steps in to help handle the costs. It’s practical, reliable protection that supports you through the unexpected, so you can stay focused on running your business with confidence.

Commercial auto and fleet insurance helps protect the vehicles your business relies on every day. Whether you operate a single work truck or manage a full fleet, this coverage supports you when accidents, damage, or unexpected breakdowns disrupt your plans. It’s dependable protection for your drivers, your vehicles, and your operations—so you can stay focused on keeping your business moving safely and confidently.

Directors and Officers (D&O) liability insurance protects the leaders of a company when they’re sued over decisions they make in the course of managing the business. It acts much like a management level version of Errors and Omissions (E&O) coverage, stepping in when directors or officers are accused of mismanagement, breach of duty, or other leadership related issues that create financial harm.

D&O is often mistaken for traditional Errors & Omissions insurance, but the two serve different purposes.

• D&O focuses on claims tied to the duties and decisions of management.

• E&O addresses performance failures or negligence related to the company’s products or professional services.

Most organizations benefit from carrying both, since each covers a different set of risks that can significantly impact the business and its leadership.

Employment Practices Liability Insurance (EPLI) protects your business when employees bring claims related to how they were treated in the workplace. These claims can arise from everyday management decisions, hiring and firing practices, or the general conduct of your business. Even when you’ve done everything right, defending against an allegation can be costly, which is why EPLI has become an essential layer of protection for many employers.

Common types of employee related claims

EPLI typically responds to allegations such as:

• Discrimination — Claims involving race, gender, age, disability, religion, or other protected categories.

• Wrongful discharge — Accusations that an employee was terminated without proper cause.

• Sexual harassment — Claims involving inappropriate conduct, comments, or behavior.

• Hostile work environment — Allegations that workplace conditions were intimidating, abusive, or offensive.

• Wrongful termination — Claims that an employee was fired in violation of law or company policy.

• Lack of advancement — Allegations that promotions or opportunities were unfairly withheld.

Why EPLI matters for employers

Employee related claims have increased in frequency and cost across many industries. Even small businesses with close knit teams can face allegations that require legal defense. EPLI helps cover legal fees, settlements, and judgments, reducing the financial strain on your business and helping you navigate sensitive situations with confidence.

As a company expands globally, its risk exposure grows as well. Organizations with international operations—or executives and staff who travel abroad—can become targets for kidnapping, extortion, or related threats. While it’s impossible to predict when or where such an incident might occur, companies can take proactive steps to protect their executives and their families and to prepare for potential threats.

Kidnap & Ransom insurance plays a critical role in this effort, offering financial protection, expert crisis response, and strategic support during high risk situations. For many organizations, it is an essential component of a comprehensive risk management program, helping safeguard both people and business continuity.

Medical malpractice insurance has become essential in today’s healthcare environment, where providers face rising expectations, increasing patient volume, and a complex legal landscape. This coverage helps protect physicians, practices, and healthcare organizations from claims alleging negligence, errors in treatment, or failure to meet the expected standard of care. Beyond financial protection, it supports the stability of your practice so you can stay focused on delivering quality care.

How malpractice coverage supports your practice

Medical malpractice insurance does more than respond to claims. It also helps strengthen your operations by addressing:

• Affordability pressures — Premiums can be a major expense for healthcare providers, and choosing the right carrier and structure can make a meaningful difference.

• Risk management and safety — Many insurers offer resources to help reduce claim frequency, improve documentation, and support patient safety initiatives.
• Quality of care — Strong coverage allows providers to practice with confidence, knowing they have support if a claim arises.

Healthcare organizations face unique challenges—balancing patient care, regulatory requirements, and financial constraints. Working with a knowledgeable advisor helps you evaluate coverage options, understand policy differences, and secure protection that aligns with your specialty, size, and risk profile.

Professional liability insurance, often called Errors and Omissions (E&O), protects your business when a client claims that the service you provided, or didn’t provide, caused financial harm. It steps in when the issue isn’t about physical injury or property damage, but about the quality, accuracy, or outcome of your professional work. For many servicebased businesses, this is one of the most important safeguards you can have.

This coverage is different from general liability insurance, which focuses on bodily injury and property damage. Professional liability fills the gap by addressing the risks that come with expertise, advice, and specialized services—areas where even a small mistake or misunderstanding can lead to a costly claim.

Workers’ compensation insurance protects your business when an employee is injured or becomes ill because of their work. It covers medical costs and lost wages for the employee, and it shields your business from lawsuits tied to those injuries. For most employers, this coverage isn’t optional—state law requires it to ensure workers are cared for and businesses stay protected.

Because it covers medical care, wage replacement, and long-term support when needed, workers’ comp is often one of the largest insurance expenses a business carries. The right policy helps you meet legal requirements, support your team, and keep your operations steady when an accident happens.

Employment practices and HR‑related risks coverage helps protect your business when workplace issues arise, from allegations of discrimination or wrongful termination to challenges around hiring, performance, or day‑to‑day employee relations. It provides practical, reliable support when sensitive situations surface, helping you navigate them with confidence while safeguarding your people, your culture, and your organization’s reputation.

Directors and officers liability insurance helps protect the leaders who guide your organization when their decisions are called into question. It offers practical, reliable support in the face of claims related to management actions, helping safeguard personal assets and the organization’s reputation so your leadership team can focus on moving the business forward with confidence.

Fiduciary and crime‑related exposures coverage helps protect your organization when financial responsibilities or internal risks lead to unexpected losses. From managing employee benefit plans to addressing theft, fraud, or misuse of funds, this coverage provides practical, reliable support that helps safeguard your assets, your people, and the trust your business is built on.

Running a hotel or motel today means balancing guest expectations, tight margins, and constant competition. Finding the right insurance shouldn’t add to the strain. The right hotel or motel policy gives owners and managers solid protection for the risks that come with operating properties like motels, resorts, spas, ranches, and similar lodging businesses.

A hotel insurance package brings together coverages tailored to the hospitality industry, addressing the unique exposures that come with hosting guests, maintaining property, and managing staff. This can include protection for buildings and contents, liability for guest injuries, coverage for amenities, and other safeguards specific to how your property operates.

Because every property is different, comparing options is one of the most effective ways to secure strong coverage at a fair price. We provide free, comparative quotes from multiple carriers so you can find the policy that fits your operation without unnecessary cost or complexity.

Liquor liability insurance protects businesses that manufacture, distribute, or sell alcohol from claims tied to alcohol related incidents. When a customer is served alcohol and later causes injury or property damage, the business that sold or served that alcohol can be held legally responsible. This coverage helps pay for legal defense, settlements, and judgments that could otherwise be financially devastating.

Businesses that typically need liquor liability coverage

Any business that sells or serves alcohol—whether as its primary service or as part of a broader operation—faces exposure. Common examples include:

• Bars — High volume and late hours increase risk.

• Taverns — Similar exposures to bars, often with regular patrons.

• Nightclubs — Larger crowds and entertainment can heighten liability.

• Fraternal clubs — Social events and member gatherings often involve alcohol.

• Convenience stores — Off premise sales still carry liability if a customer causes harm.

• Liquor stores — High alcohol sales volume makes coverage essential.
• Restaurants — Even limited alcohol service creates exposure.

Alcohol related claims can be unpredictable and expensive. Even when a business follows the law and trains staff responsibly, it can still be named in a lawsuit. Liquor liability insurance helps protect your financial stability, reputation, and ability to continue operating after an incident.

Product liability insurance protects your business when a product you manufacture, sell, or distribute causes harm to a person or their property. Because a product includes anything that can be touched, used, or consumed, this coverage applies broadly across industries and is especially important for companies producing food, clothing, toys, electronics, or items that could reasonably injure someone.

While many business owners policies include limited product liability protection, the built-in coverage is often not enough for higher risk products or businesses with wider distribution. In those cases, a standalone policy or additional limits may be necessary, particularly if your product contains hazardous materials or has a greater potential to cause injury. Product liability insurance helps cover claims involving manufacturing defects, design flaws, or inadequate warnings and instructions, and it can also help pay for legal defense, settlements, and judgments. Without it, even a single claim could lead to significant financial loss, reputational damage, or business interruption.

Restaurant and bar insurance helps protect foodservice businesses from the wide range of risks that come with serving customers every day. Today’s restaurant environment is more complex than ever, and whether you operate a small café or a national chain, you can be held liable for issues ranging from contaminated or spoiled food to something as simple as a spilled cup of coffee. Because food service combines customer interaction, equipment use, and often alcohol sales, it requires coverage tailored to the unique exposures of the industry.

This type of insurance is important for many kinds of establishments, including fine dining restaurants, casual dining spots, fast food operations, ethnic cuisine venues, delicatessens, coffee shops, and microbreweries. Each of these businesses faces its own mix of risks, but all benefit from protection that helps manage unexpected incidents, liability claims, and property damage.

Special event insurance helps protect you when you’re responsible for hosting an event—whether it’s a corporate gathering, a large concert, or a community festival. Even with careful planning, unexpected issues can arise that threaten the success of the day, and this coverage is designed to step in when something goes wrong. It can address problems like property damage, injuries, vendor issues, or other unforeseen disruptions that could otherwise create significant financial loss.

A wide range of events can be covered, including corporate events, company meetings, auto shows, concerts, sporting events, proms, dances, dog shows, parades, ethnic celebrations, and horse shows. Each type of event carries its own risks, but all benefit from having protection in place to manage liability concerns and safeguard the organizers.

A surety bond creates a clear, threeparty promise that a job will be completed as agreed. In this arrangement, the surety backs the principal—usually a contractor—by guaranteeing to the obligee, the project owner, that the work will be performed according to the contract. If the contractor fails to meet those obligations, the surety steps in based on the terms of the bond. It’s a straightforward way to bring confidence and accountability to any project.

Surety bonds come in several forms, each designed to protect a different type of responsibility or role:

• Fidelity Bonds — Protect employers from losses caused by dishonest acts of employees.

• Public Official Bonds — Ensure public officials carry out their duties ethically and lawfully.

• Judicial Bonds — Support courtrelated obligations, such as appeal or injunction bonds.

• Fiduciary Bonds — Protect beneficiaries when someone is managing another person’s assets.

• License and Permit Bonds — Required for certain businesses to operate legally and responsibly.

• Contract Bonds (Bid and Performance Bonds) — Guarantee that contractors bid accurately and complete work as promised.

• Miscellaneous and Federal Bonds — Cover a wide range of specialized obligations.

• Notary Bonds — Protect the public from errors or misconduct by a notary.

Many companies don’t realize that their standard business insurance often leaves gaps when it comes to technology related risks. As operations become more digital, exposures tied to software, hardware, and data have grown quickly, and traditional policies typically aren’t designed to address them. Technology insurance helps fill those gaps with coverage options tailored to the way your company uses, builds, or relies on technology.

Companies today face a wide range of evolving risks. Faulty software, incorrect technical advice, misconfigured firewalls, inadequate antivirus protection, and hardware failures can all lead to costly disruptions or claims. As technology becomes more central to business operations, lawsuits tied to these issues have increased, leaving companies vulnerable if they don’t have the right protection in place.

Technology insurance is designed to respond to these modern exposures, helping safeguard your business from financial loss, legal expenses, and operational setbacks. Partners Risk Services offers free, comparative quotes from multiple insurance carriers so you can find technology insurance that fits your company’s specific needs and budget.

Partners Risk Services provides insurance solutions designed specifically for wholesalers and distributors, recognizing that these businesses face a unique mix of operational, inventory, and supply chain risks. Whether you’re a small supplier or a large distribution operation, having coverage tailored to your workflow helps protect against the unexpected—everything from property damage and product issues to transportation exposures and liability concerns.

Our wholesalers and distributors insurance programs include detailed risk assessment and loss control support. These services help identify vulnerabilities in your operations, strengthen safety practices, and ultimately reduce insurance costs. By understanding how goods move through your facilities and out to customers, we can help ensure your coverage aligns with the realities of your business.