High-Limit Protection
For businesses that have built significant value, high-limit coverages add layers of protection standard policies don’t reach.
Commercial Umbrella
- Excess general liability
- Excess auto liability
- Excess employer's liability
- Broadened coverage
Your underlying policies have limits. A single serious claim can blow past them, and a commercial umbrella is what keeps that loss from reaching the business you’ve built.
What it covers
An umbrella adds a layer of liability protection above your general liability, commercial auto, and employer’s liability limits. When a covered claim exceeds the underlying policy, the umbrella responds.
Who needs it
Any business with real assets to protect, customer foot traffic, a fleet, or contracts requiring higher limits. It’s affordable protection relative to the catastrophic claims it’s designed to absorb.
A common misconception
Owners think their base limits are ‘probably enough.’ One severe auto accident or injury claim can exceed standard limits quickly, putting business assets directly at risk.
Key Man Insurance
- Loss of a key person
- Business continuity funding
- Debt protection
- Buy-sell funding
Some businesses depend on one or two people so completely that losing them would threaten the company itself. Key man insurance protects the business against that loss.
What it covers
The business owns a life (and sometimes disability) policy on an essential person. If that person dies or is disabled, the proceeds give the company time and capital to stabilize, recruit, or restructure.
Who needs it
Owner-dependent businesses, partnerships, and firms with a person whose relationships, expertise, or rainmaking drive a disproportionate share of revenue.
A common misconception
Owners view personal life insurance as enough. Key man coverage protects the company’s finances specifically, funding continuity, debt, and transition rather than a family.
Products Liability
- Manufacturing defects
- Design defects
- Failure to warn
- Defense costs
The moment your product reaches a customer’s hands, you’re responsible for what it does. Products liability protects you if it causes injury or damage.
What it covers
It covers legal defense and damages when a product you make, distribute, or sell is alleged to have caused bodily injury or property damage, whether from a defect, a failure, or inadequate warnings.
Who needs it
Manufacturers, distributors, wholesalers, and retailers, anyone in the chain that puts a physical product into the market, including food, consumer goods, and equipment.
A common misconception
Resellers assume only the manufacturer is liable. In practice, everyone in the distribution chain can be named in a products claim, retailers included.
Inland Marine
- Tools & equipment
- Property in transit
- Contractors' equipment
- Installation floater
Standard property insurance protects your assets at your address. Inland marine protects the valuable things that move, tools, equipment, and goods in transit.
What it covers
Despite the name, inland marine covers movable business property: equipment taken to job sites, tools in transit, contractors’ gear, fine art, and goods being shipped over land. It fills the gap a fixed-location property policy leaves.
Who needs it
Contractors, tradespeople, installers, and any business whose equipment or inventory regularly leaves the premises or travels between locations.
A common misconception
Owners assume their property policy follows their equipment off-site. Most cover property only at the listed location, leaving tools and gear unprotected the moment they’re loaded up.
Not sure which of these you need?
A free consultation with Kristi takes 30 minutes and gives you a clear picture of where you stand, with no pressure and no pitch.
Ready to have someone in your corner?
Book a free consultation. We’ll walk through your business, identify the gaps, and build a strategy that actually fits.