Commercial & Business Insurance
I help business owners find the right insurance, so they can focus on running their business—not worrying about what might go wrong. With options for many industries and carriers, I help you choose what fits your business and your risks. One place, clear coverage, built around what you do.
Simple as that.
Commercial & Business Insurance Offerings
Business & General Liability
Protects your business against claims of bodily injury, property damage, or personal injury that occur on your premises or as a result of your operations. Essential for businesses interacting with clients or the public. We also offer a Business Owners Policy that combines General Liability & Property insurance into a single policy.
Workers Compensation
Provides medical benefits and wage replacement to employees who get injured on the job. It’s legally required in most states.
Commercial Auto
Covers vehicles used for business purposes, including cars, trucks, and vans. Provides protection against accidents, theft, and other vehicle-related incidents.
Commercial Flood
Offers coverage for flood-related damages to your business property, which are typically not included in standard commercial property insurance. Important for businesses located in flood-prone areas.
Property
Protects your business’s physical assets, such as buildings, equipment, and inventory, against risks like fire, theft, and natural disasters. Ensures continuity of operations after unforeseen events. We also offer a Business Owners Policy that combines General Liability & Property insurance into a single policy.
Contractor Insurance
Tailored for professionals in the construction industry, this insurance covers risks associated with building projects, including property damage and on-site injuries. Helps meet contractual requirements and provides peace of mind on the job.
Business & General Liability
Protects your business against claims of bodily injury, property damage, or personal injury that occur on your premises or as a result of your operations. Essential for businesses interacting with clients or the public. We also offer a Business Owners Policy that combines General Liability & Property insurance into a single policy.
Workers Compensation
Provides medical benefits and wage replacement to employees who get injured on the job. It’s legally required in most states.
Commercial Auto
Covers vehicles used for business purposes, including cars, trucks, and vans. Provides protection against accidents, theft, and other vehicle-related incidents.
Commercial Flood
Offers coverage for flood-related damages to your business property, which are typically not included in standard commercial property insurance. Important for businesses located in flood-prone areas.
Property
Protects your business’s physical assets, such as buildings, equipment, and inventory, against risks like fire, theft, and natural disasters. Ensures continuity of operations after unforeseen events. We also offer a Business Owners Policy that combines General Liability & Property insurance into a single policy.
Contractor Insurance
Tailored for professionals in the construction industry, this insurance covers risks associated with building projects, including property damage and on-site injuries. Helps meet contractual requirements and provides peace of mind on the job.
Cyber Liability
Protects your business from financial losses due to cyberattacks, data breaches, and other digital threats. Covers costs related to data recovery, legal fees, and customer notification.
Construction Risk
Protects buildings under construction against risks like fire, theft, vandalism, and weather damage.
Farm & Ranch
Protects both personal and commercial aspects of farm operations, including buildings, equipment, livestock, and liability.
Errors & Omissions
Covers claims of negligence, mistakes, or failure to deliver services. Important for consultants, advisors, and professionals.
Surety Bond
A guarantee that your business will fulfill a contract or obligation. Often required in construction and legal industries.
Restaurant & Bars
Covers property, equipment, liquor liability, and staff injuries. Tailored for food service businesses.
Cyber Liability
Protects your business from financial losses due to cyberattacks, data breaches, and other digital threats. Covers costs related to data recovery, legal fees, and customer notification.
Construction Risk
Protects buildings under construction against risks like fire, theft, vandalism, and weather damage.
Farm & Ranch
Protects both personal and commercial aspects of farm operations, including buildings, equipment, livestock, and liability.
Errors & Omissions
Covers claims of negligence, mistakes, or failure to deliver services. Important for consultants, advisors, and professionals.
Surety Bond
A guarantee that your business will fulfill a contract or obligation. Often required in construction and legal industries.
Restaurant & Bars
Covers property, equipment, liquor liability, and staff injuries. Tailored for food service businesses.
Automotive & Garage
Shops that work on vehicles face risks every day. Whether you’re doing repairs, bodywork, inspections, or towing, things can go wrong—on the road or in the bay. Automotive & garage insurance helps cover your tools, your building, your team, and the vehicles in your care. If something gets damaged or someone gets hurt, you’re not left trying to pay for it out of pocket. It’s basic protection that keeps your business moving.
HOAs & Community Associations
Managing a neighborhood or community means dealing with a lot of people, places, and responsibilities. HOA and community association insurance helps cover shared spaces, buildings, liability, and board decisions. If someone slips on a sidewalk, or there’s a dispute over coverage or repairs, this kind of policy helps protect the association—and the people who serve on it. It’s about making sure the whole neighborhood is backed up when it matters.
Landlord Liability
Owning rental property means you take on risks other people don’t see. A broken stair. A leaking pipe. A tenant’s guest getting hurt. Landlord liability insurance helps protect you from claims like these. It doesn’t cover damage to the property itself—that’s what property insurance is for—but it does help with legal and medical costs if someone holds you responsible. It’s there for the “what-ifs,” so you don’t face them alone.
Liquor Liability
If you sell, serve, or allow alcohol on your property, liquor liability insurance is a must. Even if you follow every rule, you can still be held responsible for what someone does after they’ve been drinking. This insurance helps cover you if there’s a fight, a crash, or a claim tied to someone who had too much. It’s often required for licenses, but even when it’s not—it’s the smart thing to have.
Automotive & Garage
Shops that work on vehicles face risks every day. Whether you’re doing repairs, bodywork, inspections, or towing, things can go wrong—on the road or in the bay. Automotive & garage insurance helps cover your tools, your building, your team, and the vehicles in your care. If something gets damaged or someone gets hurt, you’re not left trying to pay for it out of pocket. It’s basic protection that keeps your business moving.
HOAs & Community Associations
Managing a neighborhood or community means dealing with a lot of people, places, and responsibilities. HOA and community association insurance helps cover shared spaces, buildings, liability, and board decisions. If someone slips on a sidewalk, or there’s a dispute over coverage or repairs, this kind of policy helps protect the association—and the people who serve on it. It’s about making sure the whole neighborhood is backed up when it matters.
Landlord Liability
Owning rental property means you take on risks other people don’t see. A broken stair. A leaking pipe. A tenant’s guest getting hurt. Landlord liability insurance helps protect you from claims like these. It doesn’t cover damage to the property itself—that’s what property insurance is for—but it does help with legal and medical costs if someone holds you responsible. It’s there for the “what-ifs,” so you don’t face them alone.
Liquor Liability
If you sell, serve, or allow alcohol on your property, liquor liability insurance is a must. Even if you follow every rule, you can still be held responsible for what someone does after they’ve been drinking. This insurance helps cover you if there’s a fight, a crash, or a claim tied to someone who had too much. It’s often required for licenses, but even when it’s not—it’s the smart thing to have.
© Copyright 2025, Barbara Hanfland
Site Design by: Picture This Creative Services
© Copyright 2025, Barbara Hanfland
Site Design by: Picture This Creative Services