Business & Commercial Insurance

Your business represents years of hard work and investment. We help you prepare for the unexpected so you can stay focused on serving your customers and growing your company.

Coverage for many types of businesses

From home-based businesses and professional offices to retail shops and contractors, we work with a variety of local businesses and organizations throughout Webster and the Greater Rochester area.

As an independent agency, we can review options from multiple carriers and help you build a program that fits your operations and risk tolerance.

Common commercial coverages we discuss

Business owners policy (BOP) — Combines property and general liability coverage for many small and mid-size businesses.
Commercial property — For buildings, equipment, inventory, and other physical assets.
General liability — For claims involving bodily injury, property damage, or personal and advertising injury.
Commercial auto — For vehicles used in your business, from a single car to a fleet.
Workers’ compensation — For required protection when employees are injured in the course of work.
Umbrella and excess liability — For additional liability protection above your underlying policies.

Is your business protected from the unexpected?

We can help you review your current coverage and identify gaps that could affect your ability to recover from a loss.

Could a fire or major loss at your location significantly impact your ability to operate?
Do you have coverage if a customer slips and falls or if a product causes injury?
Are vehicles used for your business properly insured as commercial, rather than personal, autos?
Do you rely on key equipment, tools, or technology that should be specifically addressed?

Every business is unique. We will take time to understand how you operate so we can recommend coverage options that make sense for you.

Schedule a business review