349 industries we quote

Coverage built around how your business actually works

Carrier appetite is industry-specific. Pick your trade to see the risks underwriters ask about, the coverage stack owners usually carry, and what it typically costs — then start an application prefilled for your class.

Showing 349 of 349 industries

Construction & Trades

General Contractors

Coverage built around job-site risk, subcontractor exposure, and the contracts that keep projects moving.

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Electricians

Liability and equipment coverage tailored to the fire and injury risks unique to electrical work.

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Plumbers

Coverage for the water damage, injury, and equipment risks that come with pipes, fixtures, and drains.

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HVAC Contractors

Coverage for the equipment, refrigerant, and installation risks tied to heating and cooling work.

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Painters

Coverage for the property damage, fall, and chemical exposure risks that come with painting work.

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Carpenters

Coverage for the tools, structural work, and injury risks that come with framing and finish carpentry.

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Landscapers

Coverage for the equipment, property damage, and seasonal staffing risks unique to landscaping.

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Handyman Services

Flexible coverage for the wide range of small repair and improvement jobs handymen take on.

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Drywall Contractors

Liability and equipment coverage for the dust, ladders, and finish-work risks of hanging and taping drywall.

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Masonry & Concrete Contractors

Coverage for the heavy materials, equipment, and structural risks that come with brick, block, and concrete work.

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Fencing Contractors

Liability and property coverage for the digging, hardware, and boundary-line disputes unique to fence installation.

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Excavation Contractors

Heavy equipment and liability coverage for the digging, grading, and underground risks of site work.

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Paving Contractors

Coverage for the asphalt, striping, and heavy equipment risks that come with parking lot and roadway work.

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Siding Contractors

Liability and equipment coverage for the ladders, weather sealing, and exterior finish risks of siding installation.

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Insulation Contractors

Coverage for the chemical, fire, and respiratory risks unique to spray foam, batt, and blown insulation work.

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Flooring & Tile Installers

Coverage for the material damage, injury, and workmanship risks that come with laying tile, wood, and carpet.

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Glass & Glazing Contractors

Liability and equipment coverage for the cuts, breakage, and installation risks tied to glass and window work.

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Gutter Installers

Coverage for the ladder falls, property damage, and water-related risks tied to gutter and drainage work.

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Solar Installers

Liability and equipment coverage for the roof-height, electrical, and installation risks tied to solar panel work.

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Pool Service & Construction

Insurance built for pool builders and service techs facing chemical handling, excavation, and water-related liability.

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Kitchen & Bath Remodelers

Liability and property coverage for the plumbing, electrical, and finish-work risks of full kitchen and bath renovations.

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Cabinet Makers

Coverage for the shop equipment, finish materials, and installation risks that come with custom cabinetry work.

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Countertop Installers

Liability and equipment coverage for the slab handling, silica dust, and precision fitting of countertop installation.

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Deck Builders

Liability and equipment coverage for the framing, footings, and elevated structures unique to deck construction.

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Garage Door Installers

Liability and equipment coverage for the spring tension, heavy panels, and opener wiring of garage door work.

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Window & Door Installers

Liability and property coverage for the sealing, glazing, and structural fit risks of window and door replacement.

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Waterproofing Contractors

Liability and completed-operations coverage for the below-grade sealing and drainage work of waterproofing contractors.

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Foundation Repair Contractors

Liability and structural coverage for the piering, slab-jacking, and stabilization work of foundation repair.

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Well Drilling Contractors

Liability and equipment coverage for the subsurface drilling, casing, and pump installation risks of water well contracting.

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Septic Services

Liability and pollution coverage for the pumping, installation, and repair work that keeps septic systems running.

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Irrigation Contractors

Liability and equipment coverage for the buried lines, water pressure, and landscape risks of irrigation work.

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Hardscaping Contractors

Liability and equipment coverage for the pavers, retaining walls, and heavy materials of hardscape construction.

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Holiday Lighting Installers

Liability and property coverage for the ladders, rooflines, and electrical work of seasonal holiday lighting.

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Sign Installers

Liability and equipment coverage for the crane work, height exposure, and falling-object risk of sign installation.

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Fire Protection Contractors

Liability and professional coverage for the sprinkler, alarm, and suppression systems that protect buildings from fire.

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Security System Installers

Liability and professional coverage for the alarms, cameras, and access systems installers design and maintain.

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Low-Voltage & AV Installers

Liability and professional coverage for the wiring, networking, and audio-visual systems installers design and set up.

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EV Charger Installers

Liability and equipment coverage for the panel upgrades, wiring, and vehicle-proximity risks of EV charger installation.

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Generator Installers

Liability and workers' comp coverage for the gas line, electrical, and carbon monoxide risks of generator installation.

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Demolition Contractors

High-limit liability and property coverage for the structural collapse, pollution, and adjacent-property risks of demolition.

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Post-Construction Cleanup

Coverage for post-construction cleanup crews working on active jobsites alongside general contractors and other trades.

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Gutter Cleaning Services

Insurance for gutter cleaning businesses working from ladders, covering falls, roof damage, and seasonal demand spikes.

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Mold Remediation

Coverage for mold remediation contractors facing containment failures, pollution exclusions, and clearance-testing disputes.

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Water Damage Restoration

Insurance for water damage restoration companies managing emergency response, secondary damage claims, and insurer scope disputes.

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Fire Damage Restoration

Insurance for fire and smoke restoration contractors handling contents pack-out, odor claims, and structural safety exposure.

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Hoarding Cleanup

Coverage for hoarding cleanup crews handling structural surprises, discarded-item disputes, and sensitive occupant situations.

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Radon Mitigation

Insurance for radon mitigation contractors managing system-performance disputes, foundation penetration, and real estate deadlines.

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Masonry Restoration

Insurance for masonry restoration contractors managing scaffolding falls, falling debris, and historic facade repair risk.

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Chimney Repair Contractors

Insurance for chimney repair contractors managing height work, flue performance disputes, and post-service fire allegations.

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Asphalt Sealcoating

Insurance for asphalt sealcoating contractors managing runoff liability, cure-time disputes, and seasonal crew risk.

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Parking Lot Striping

Insurance for parking lot striping contractors managing live-traffic exposure, ADA layout responsibility, and paint overspray claims.

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Commercial Snow Plowing

Insurance for commercial snow plowing contractors managing slip-and-fall claims, seasonal contracts, and property damage exposure.

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Handyman Franchises

Insurance for handyman franchise owners managing multi-technician fleets, franchisor requirements, and wide-ranging repair scopes.

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Cabinet Refinishing

Liability and property coverage for cabinet refinishers spraying flammable finishes inside occupied homes.

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Epoxy Flooring Contractors

Coverage for epoxy flooring installers facing moisture, chemical exposure, and hot-tire pickup callback risk.

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Garage Floor Coating

Insurance for residential garage floor coating businesses managing one-day installs, dust exposure, and subcontracted crews.

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Closet Organizer Installers

Liability coverage for closet organizer installers managing wall anchoring, tip-over risk, and measurement errors.

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Blind & Shade Installers

Coverage for blind and shade installers handling motorized wiring, cord-safety compliance, and in-home ladder work.

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Artificial Turf Installers

Insurance for artificial turf installers facing drainage failures, warranty disputes, and sports-field-scale exposure.

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Outdoor Kitchen Builders

Coverage for outdoor kitchen builders managing gas line connections, fire risk, and heavy masonry construction.

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Pergola & Patio Builders

Insurance for pergola and patio builders managing structural attachment, wind uplift, and footing exposure.

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Smart Home Installers

Liability, professional, and cyber coverage for installers configuring cameras, locks, and networks inside private homes.

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Office Equipment & Copier Technicians

Liability and cyber coverage for technicians servicing copiers, printers, and the sensitive data stored on their hard drives.

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Fire Extinguisher Services

Liability and professional coverage for the inspection, recharge, and certification work fire extinguisher companies perform.

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Transportation

Trucking Companies

Coverage built for fleets, owner-operators, and freight haulers facing long-haul risk and federal filing rules.

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Courier & Delivery

Coverage for courier services, last-mile delivery fleets, and independent drivers moving packages and goods.

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Moving Companies

Insurance for local and long-distance movers handling clients' belongings, trucks, and moving crews.

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Propane Delivery

Commercial auto and hazmat coverage for the fire, explosion, and DOT compliance risks of propane delivery.

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Towing Companies

Auto and garagekeepers coverage for the on-hook, roadside, and repossession risks that come with towing work.

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Medical Couriers

Auto and liability coverage for the specimen handling, temperature control, and HIPAA exposure of medical courier work.

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Hotshot Trucking

Coverage for the pickup-and-trailer haulers running expedited, time-critical freight under their own MC authority.

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Dump Truck Operators

Auto, cargo, and liability coverage for the overturns, spillage, and jobsite demands dump truck haulers face daily.

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Refrigerated Trucking

Cargo and auto coverage for the reefer breakdowns and temperature-sensitive freight that define cold-chain hauling.

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Moving Labor Services

Liability and injury coverage for loading and unloading crews who handle customer goods without owning the truck.

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Freight Brokers

Liability and bond coverage for the negligent-selection and contingent cargo exposures unique to arranging freight.

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Long-Distance Moving Companies

Coverage for interstate movers managing cargo liability, driver hours, and claims for damage discovered after delivery.

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Piano Movers

Coverage for piano moving specialists managing extreme weight, stair and crane work, and high-value instrument damage.

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Art Handlers

Coverage for fine art handlers and transporters managing extreme per-item values, climate exposure, and gallery contracts.

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Legal Document Couriers

Coverage for legal document couriers handling deadline-sensitive filings, chain of custody, and driver auto exposure.

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Food & Hospitality

Restaurants

Coverage built around kitchen fires, food safety, slip-and-falls, and the daily grind of running a dining room.

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Bars & Taverns

Liquor liability, assault and battery, and property coverage designed for bars, taverns, and nightlife venues.

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Cafes & Bakeries

Property, liability, and equipment coverage sized for cafes, coffee shops, and bakeries big and small.

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Catering

Coverage for caterers who prepare and transport food off-site for weddings, corporate events, and parties.

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Hotels & Motels

Property, liability, and guest safety coverage for hotels, motels, and short-term lodging properties.

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Food Trucks

Mobile-specific liability, auto, and equipment coverage for food trucks and mobile food vendors.

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Pizzerias

Coverage for the ovens, fryers, and delivery fleets that make pizzerias one of the higher-risk restaurant categories.

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Delis & Sandwich Shops

Liability and property coverage for slicer injuries, foodborne illness exposure, and fast-paced counter service.

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Ice Cream & Frozen Yogurt Shops

Coverage for seasonal staffing swings, freezer breakdown spoilage, and high-traffic walk-in customer risk.

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Juice & Smoothie Bars

Coverage for allergen cross-contamination, blender-related injuries, and the health-focused promises these shops make.

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Ghost Kitchens

Liability and equipment coverage for delivery-only kitchens operating without a storefront or dine-in space.

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Meal Prep Services

Coverage for the cold-chain, batch-production, and delivery risks of preparing meals for many customers at once.

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Butcher Shops

Coverage for band saw injuries, product recall exposure, and walk-in cooler failures unique to meat retailers.

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Wholesale Bakeries

Coverage for product liability across a distribution chain, recall expense, and heavy production equipment.

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Farmers Market Vendors

Coverage for per-event certificates, market additional insured requirements, and outdoor tent and trailer risks.

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Coffee Roasters

Coverage for roaster fires, burn injuries, and product liability tied to wholesale and retail coffee sales.

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Wedding Venues

Coverage for wedding venues managing liquor liability, vendor coordination, weather risk, and single-event severity.

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Banquet Halls

Coverage for banquet halls managing rotating caterers, occupancy and fire codes, liquor service, and kitchen equipment risk.

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Bartending Services

Liquor liability coverage for mobile bartending companies serving alcohol at private events and venues they don't own.

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Food Carts

Coverage for sidewalk and event food cart operators handling propane, foodborne illness exposure, and permit requirements.

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Shaved Ice Stands

Seasonal coverage for shaved ice stands managing syrup handling, ice machine injuries, and fair and festival requirements.

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Cottage Food Producers

Liability and product coverage for home kitchen food makers selling under state cottage food laws at markets and craft fairs.

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Personal Chefs

Liability coverage for personal chefs cooking in client homes, managing allergen requests and multi-household schedules.

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Drop-Off Catering

Coverage for drop-off caterers where food quality and temperature control rely entirely on transport, not on-site staff.

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Mobile Coffee Carts

Coverage for mobile coffee and espresso cart operators managing hot liquid burns, boiler equipment, and venue certificates.

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Fine Dining Restaurants

Coverage for high-value wine inventory, valet service, tableside liquor pours, and guest property in upscale dining rooms.

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Fast Food Restaurants (QSR)

Coverage built around franchise agreement requirements, drive-thru exposure, fryer burns, and high staff turnover.

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Diners & Breakfast Restaurants

Coverage for griddle and hood fire exposure, early-morning solo staffing, and slip-and-fall risk with senior guests.

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Buffets

Coverage for holding-temperature foodborne illness exposure, self-serve sneeze guards, and heavy serving-line foot traffic.

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Steakhouses

Coverage for broiler and charbroiler fire load, heavy liquor service, valet parking, and high-value meat spoilage risk.

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Seafood Restaurants

Coverage for shellfish allergen claims, raw oyster illness exposure, live tank operations, and cold-chain spoilage risk.

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Sushi & Japanese Restaurants

Coverage for raw fish parasite-destruction freezing compliance, knife injuries, tableside open-flame cooking, and sake service.

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Mexican Restaurants

Coverage for high-volume fryer and plancha use, tequila-driven liquor liability, patio dining, and self-serve salsa bars.

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Pizza Delivery & Takeout

Coverage centered on hired and non-owned auto liability for delivery drivers using personal vehicles, MVR screening, and robbery exposure.

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Sports Bars

Coverage for liquor liability and dram shop risk, game-day crowd surges, extensive TV and AV equipment, and assault and battery exposure.

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Nightclubs & Lounges

Coverage centered on assault and battery risk, security and bouncer liability, dram shop exposure, and late-night crowd management.

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Breweries & Brewpubs

Coverage for breweries and brewpubs facing taproom dram shop exposure, brewhouse burns, and product recall.

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Wineries & Tasting Rooms

Coverage for wineries and tasting rooms managing liquor liability, harvest labor, and barrel inventory exposure.

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Distilleries

Coverage for distilleries facing high-proof fire and explosion exposure, barrel warehouse risk, and tasting-room liability.

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Cideries & Meaderies

Coverage for cideries and meaderies managing orchard sourcing, fermentation pressure exposure, and tasting-room pours.

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Kombucha Brewers

Coverage for kombucha brewers facing recall exposure, unintended alcohol content risk, and cold-chain distribution.

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Donut Shops

Coverage for donut shops managing overnight fryer operations, early-morning staffing risk, and wholesale accounts.

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Bagel Shops

Coverage for bagel shops managing boiling kettles, dough mixer injury exposure, and morning rush liability.

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Bubble Tea Shops

Coverage for bubble tea shops managing tapioca boiling equipment, choking claims, and franchise insurance requirements.

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Dessert Bars & Cupcake Shops

Coverage for dessert bars and cupcake shops managing custom cake contracts, allergen exposure, and display case risk.

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Candy Stores & Chocolatiers

Coverage for candy stores and chocolatiers managing tempering equipment risk, nut allergen exposure, and seasonal sales.

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Grocery Stores

Coverage for grocery stores managing produce-aisle slips, freezer breakdown losses, deli foodborne claims, and liquor licensing.

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Convenience Stores

Coverage for convenience stores facing robbery exposure, fuel-island risk, tobacco and alcohol age-verification claims, and late hours.

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Specialty Food Stores

Coverage for cheese, olive oil, spice, and import specialty food shops handling sampling exposure and high-value compact inventory.

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Food Manufacturers

Coverage for packaged food manufacturers facing product recall exposure, FDA compliance, allergen mislabeling, and machine injuries.

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Commissary & Shared Kitchens

Coverage for commissary and shared kitchen operators managing tenant certificates, shared equipment, and cross-contamination exposure.

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Concession Stands

Coverage for stadium, fair, and school concession stands managing venue contracts, propane and fryer risk, and crowd exposure.

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Retail & Services

Retail Stores

Coverage built for shops that handle foot traffic, inventory, and point-of-sale exposure every day.

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E-commerce

Coverage designed for online sellers facing product, shipping, and data risks without a storefront.

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Salons & Barbershops

Liability and property coverage tailored to salons, barbershops, and the services they perform.

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Cleaning & Janitorial

Insurance for cleaning crews working on client property, handling chemicals, and moving between sites.

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Dry Cleaners

Coverage for dry cleaners handling customer garments, solvents, and pressing equipment daily.

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Pet Services

Liability coverage for groomers, sitters, and boarders who care for animals they don't own.

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Auto Repair Shops

Coverage for repair shops handling customer vehicles, lifts, tools, and skilled labor risks.

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Tree Service & Arborists

Coverage for the falling limbs, equipment, and property damage risks that come with tree removal and trimming.

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Pressure Washing Services

Coverage for pressure washing pros facing property damage, chemical runoff, and equipment risks on every job.

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Snow Removal Contractors

Seasonal coverage for plow and salt operators facing slip-and-fall claims, vehicle accidents, and property damage.

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Junk Removal & Hauling

Coverage for junk removal crews facing property damage, injury, and disposal liability on every haul.

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Locksmiths

Coverage for locksmiths facing property access errors, tool theft, and liability from lockout and security work.

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Appliance Repair Services

Coverage for appliance repair techs facing property damage, gas and electrical hazards, and in-home liability.

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Laundromats

Property and liability coverage for laundromats managing heavy equipment, water exposure, and unattended hours.

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Florists

Coverage for florists managing perishable inventory, delivery vehicles, and busy holiday order volume.

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Tattoo & Piercing Studios

Liability coverage for tattoo and piercing studios facing infection claims, allergic reactions, and equipment risk.

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Chimney Sweeps

Liability coverage for the fire, creosote, and liner-defect risks that come with chimney cleaning and inspection.

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Duct Cleaning Services

Liability coverage for the mold, air-quality, and equipment-damage claims tied to residential and commercial duct cleaning.

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Driving Schools

Auto liability and instructor coverage for the dual-control vehicles and student drivers behind the wheel.

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Tutoring Centers

Liability and data protection coverage for the premises, minors, and personal information tutoring centers handle.

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Test Prep Companies

Liability and professional coverage for the guarantees, materials, and outcomes test-prep companies promise.

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Music Schools

Liability and property coverage for the instruments, recitals, and one-on-one lessons music schools run.

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Videographers

Equipment and liability coverage for the gear, footage, and one-time events videographers can't reshoot.

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Print Shops

Liability and equipment coverage for the large-format machinery and customer content print shops handle.

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Travel Agencies

Professional liability and cyber coverage for the bookings, cancellations, and client data travel agencies manage.

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Gas Stations

Property and environmental liability coverage for fuel storage, pumps, canopies, and the convenience store attached to it.

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Liquor Stores

Liquor liability and property coverage for the inventory, glass breakage, and ID-check exposures of alcohol retail.

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Smoke & Vape Shops

Product liability and property coverage for the devices, batteries, and age-restricted sales unique to smoke shops.

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Pet Stores

Liability and property coverage for animal bites, live inventory losses, and the aquariums and habitats pet stores maintain.

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Nutrition & Supplement Stores

Product liability and property coverage for the ingested products and label claims that come with selling supplements.

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Vending Machine Operators

Auto, property, and liability coverage for the route vehicles, machines, and client-site placements vending operators manage.

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Bicycle Shops

Liability and property coverage for repair work, test rides, and the high-value bikes bicycle shops sell and service.

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Motorcycle Repair Shops

Garagekeepers and liability coverage for customer bikes in your care, faulty-repair claims, and test rides.

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Auto Detailing

Liability and property coverage for mobile detailing work, customer vehicle damage, and the chemicals detailers use.

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Car Washes

Liability and equipment coverage for the brushes, conveyors, and slick surfaces that make car washes a unique exposure.

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Tire Shops

Liability and auto coverage for the installation, lift, and road-service risks unique to tire and wheel work.

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Auto Glass Shops

Liability coverage for mobile installs, ADAS calibration, and glass breakage risks unique to auto glass work.

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Mobile Mechanics

Liability and tool coverage for mechanics who work out of a truck instead of a shop, on someone else's vehicle.

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Dog Walkers

Liability coverage for the bites, lost pets, and in-home property risks that come with walking someone else's dog.

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Kennels & Boarding Facilities

Liability and property coverage for the animal-in-care, disease, and overnight risks unique to boarding facilities.

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Pet Trainers

Liability coverage for the class injuries, training advice, and rented-facility risks that come with pet training.

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Hair Salons

Coverage for hair salons managing chemical services, burns, slip hazards, and booth-renter arrangements.

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Barbershops

Insurance for barbershops covering straight-razor exposure, clipper injuries, sanitation, and chair-rental arrangements.

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Nail Salons

Coverage for nail salons addressing ventilation, fungal-infection claims, pedicure-spa bacteria, and foot injuries.

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Day Spas

Coverage for day spas managing multi-treatment exposure, body treatments, water features, and diverse staff licensing.

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Esthetician & Skincare Studios

Insurance for estheticians covering chemical peels, microdermabrasion, waxing burns, and product reaction claims.

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Lash & Brow Studios

Coverage for lash and brow studios covering adhesive allergic reactions, eye injury risk, and tinting claims.

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Tanning Salons

Coverage for tanning salons addressing burn claims, equipment maintenance, and minor-consent compliance.

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Mobile Beauty Services

Insurance for mobile beauty professionals covering auto exposure, in-home injuries, and multi-jurisdiction work.

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Barber & Cosmetology Schools

Coverage for barber and cosmetology schools managing student supervision, public clinic floors, and licensing exposure.

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Pet Grooming Salons

Coverage for pet grooming salons addressing animal bites, clipper and dryer burns, escapes, and bailee exposure.

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Mobile Pet Grooming

Insurance for mobile pet groomers covering van build-out, water and generator systems, and driving exposure.

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Dance Studios

Coverage for dance studios addressing participant injury, working with minors, waivers, and recital venue requirements.

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Commercial Janitorial Services

Coverage for commercial cleaning crews handling after-hours building access, client property, and night-shift staffing.

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Residential House Cleaning

Insurance for house cleaning businesses working inside private homes, handling belongings, pets, and independent cleaner staffing.

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Carpet & Upholstery Cleaning

Coverage for carpet and upholstery cleaners using hot-water extraction equipment inside homes and businesses.

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Window Cleaning Services

Insurance for window cleaners working from ladders and heights, covering falls, dropped tools, and glass damage disputes.

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Medical Office Cleaning

Coverage for cleaning companies servicing medical offices, addressing HIPAA exposure, sharps handling, and infection control.

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Gym & Fitness Facility Cleaning

Coverage for cleaning companies servicing gyms and fitness studios, addressing equipment damage, chemical residue, and early access.

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Solar Panel Cleaning

Coverage for solar panel cleaning businesses, addressing panel damage, warranty concerns, roof access, and electrical proximity.

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Dryer Vent Cleaning

Insurance for dryer vent cleaning businesses, addressing fire-liability allegations, duct damage, and multifamily contracts.

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Fleet Washing Services

Coverage for mobile fleet washing businesses, addressing water reclamation rules, vehicle damage, and night lot access.

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Mobile Car Detailing

Insurance for mobile detailers who travel to customer vehicles, covering bailee exposure, paint damage, and driving risk.

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Estate Cleanout Services

Insurance for estate cleanout companies managing heir disputes over missing valuables, heavy lifting injuries, and disposal compliance.

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Escape Rooms

Liability coverage for escape room venues managing egress requirements, participant panic, and locked-room design.

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Axe Throwing Venues

Insurance for axe throwing venues managing thrown-object injury risk, alcohol service, and coach supervision.

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Mini Golf & Family Entertainment Centers

Coverage for mini golf and family entertainment centers managing multi-attraction risk and minor supervision.

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Kids Party Venues

Liability coverage for kids party venues managing inflatables, food allergy exposure, and drop-off supervision.

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Event Rental Companies

Coverage for party and equipment rental businesses whose tables, linens, and gear leave the shop and enter someone else's risk.

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Tent Rental Companies

Liability and property coverage for tent rental businesses managing wind, staking, and structural collapse exposure.

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Bounce House Rentals

Liability coverage for inflatable rental businesses managing child injury risk, supervision rules, and weather shutdown decisions.

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Party Entertainers

Liability coverage for clowns, magicians, character performers, and other entertainers working directly with children in homes and venues.

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Mobile DJs

Equipment and liability coverage for mobile DJ businesses managing venue requirements, gear transport, and sound complaints.

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Photo Booth Operators

Liability and equipment coverage for photo booth businesses managing cables, crowds, props, and image privacy at events.

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Event Security Staffing

Liability coverage for event security firms managing crowd control, alcohol-related incidents, and use-of-force claims.

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Valet Services

Garage-keepers style liability coverage for valet companies driving and parking customer vehicles they don't own.

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Errand & Concierge Services

Liability coverage for errand and concierge businesses handling client access, purchases, and property in transit.

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Health & Care

Medical Offices

Coverage built for physician practices, urgent care clinics, and specialty medical offices.

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Dental Practices

Practical coverage for dental offices, from chairside equipment to staff and patient safety.

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Home Health Care

Coverage for home health agencies sending caregivers into clients' homes every day.

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Daycare Centers

Coverage tailored to childcare centers, covering the kids, staff, and facility.

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Assisted Living

Coverage for assisted living and senior care communities managing daily resident care.

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Gyms & Fitness Studios

Coverage for gyms, studios, and personal trainers managing daily member and equipment risk.

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Med Spas

Coverage for med spas performing injectables, laser treatments, and aesthetic procedures under medical supervision.

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Chiropractors

Professional and property coverage for chiropractic offices managing hands-on treatment and equipment risk.

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Dental Labs

Product liability and equipment coverage for the appliances, precious metals, and patient data dental labs handle.

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Massage Therapists

Professional liability and premises coverage for the hands-on treatment, rented rooms, and client trust massage work requires.

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Acupuncturists

Malpractice and sanitation-focused coverage for the needle-based treatments and licensure standards acupuncture requires.

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Midwives & Doulas

High-limit malpractice coverage for the birth-outcome exposure and scope-of-practice demands of midwifery and doula work.

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Mental Health Counselors

Professional liability and data protection coverage for counselors managing sensitive records, telehealth, and licensure exposure.

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Dietitians & Nutritionists

Professional liability coverage for the advice-based, supplement, and telehealth exposures of nutrition counseling practice.

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Speech Therapists

Professional liability and business coverage for speech-language pathologists working with clients across clinics, schools, and telepractice.

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Occupational Therapists

Liability coverage for occupational therapists managing patient handling, equipment recommendations, and multi-facility contract work.

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Personal Trainers

Liability coverage for personal trainers working in gyms, client homes, or rented studio space where injuries and waivers don't fully protect you.

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Yoga Studios

Liability and property coverage for yoga studios balancing participant injury risk, instructor status, and retail sales.

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Pilates Studios

Coverage for Pilates studios managing reformer equipment injuries, maintenance, and high build-out property values.

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CrossFit & Functional Fitness Gyms

Liability coverage for high-intensity gyms managing barbell injuries, rhabdo claims, competitions, and coach certification exposure.

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Martial Arts Schools

Liability coverage for martial arts schools managing sparring injuries, youth-class safety, and tournament exposure.

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Gymnastics Centers

Liability coverage for gymnastics centers managing high-severity injury risk, spotting protocols, and open-gym and party events.

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Swim Schools

Liability and property coverage for swim schools managing drowning risk, lifeguard staffing, and pool facility exposures.

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Marriage & Family Therapists

Malpractice, confidentiality, and licensure board defense coverage built for the multi-party and family-systems nature of MFT practice.

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Outpatient Psychology Practices

Professional liability and data protection coverage for small psychology practices handling testing, diagnosis, and treatment records.

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Wellness Centers & Wellness Coaching

Liability coverage for wellness centers and coaching practices built around scope-of-practice risk and client-facing activity exposure.

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Human & Social Services

Group Homes

Coverage for residential group homes managing 24-hour staffing, medication administration, and resident safety exposures.

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Foster Care & Adoption Agencies

Coverage for foster care and adoption agencies handling placement decisions, home studies, and birth-parent liability.

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Homeless Shelters

Coverage for homeless shelters managing overnight congregate care, intake screening, and volunteer meal service.

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Domestic Violence Shelters

Coverage for domestic violence shelters managing confidential locations, security threats, and client data privacy.

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Adult Day Care Centers

Coverage for adult day care centers serving frail elderly and cognitively impaired participants, including transport risk.

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Respite Care Providers

Coverage for respite care providers delivering short-term in-home relief care with unsupervised one-to-one client contact.

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Developmental Disability (IDD) Service Providers

Coverage for IDD service providers offering day programs, supported employment, and behavioral support services.

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Senior Centers

Coverage for senior centers hosting congregate meals, exercise classes, volunteer drivers, and group outings.

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Food Banks & Pantries

Coverage for food banks and pantries managing warehouse operations, donated food handling, and mobile distributions.

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Soup Kitchens & Community Meal Programs

Coverage for community meal programs preparing and serving hot food to guests with varied needs.

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Meals on Wheels & Home-Delivered Meal Services

Coverage for home-delivered meal programs managing volunteer drivers, client wellness checks, and food transport.

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Community Centers

Coverage for community centers hosting recreation, rentals, and youth programming under one roof.

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After-School Programs

Coverage for after-school programs managing child supervision, transport, and release-to-adult procedures.

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Youth Mentoring Organizations

Coverage for youth mentoring programs managing one-to-one adult-child relationships and off-site outings.

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Early Childhood Intervention Programs

Coverage for early intervention programs providing in-home developmental services to young children.

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Special-Needs Camps & Programs

Coverage for special-needs camps managing medical needs, medication administration, and one-to-one aides.

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Substance Abuse Treatment Centers

Coverage for detox and rehab facilities managing medical risk, overdose exposure, and state licensure requirements.

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Outpatient Behavioral Health Clinics

Professional liability and cyber coverage for clinics managing treatment E&O, telehealth, and clinician credentialing risk.

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Counseling Nonprofits

Coverage for sliding-scale counseling clinics balancing intern supervision, grant compliance, and volunteer board governance.

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Social Workers in Private Practice

Solo professional liability coverage for social workers managing licensure defense, records, and home-office risk.

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Crisis Hotline & Victim Services Organizations

Coverage for hotlines and advocacy programs managing call-handling liability, volunteer training, and confidentiality exposure.

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Vocational Rehab & Job Training Nonprofits

Coverage for job training programs managing worksite placements, shop injuries, and government workforce contract requirements.

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Veterans Service Organizations

Coverage for veterans halls managing benefit-claim assistance, canteen liquor exposure, and volunteer driver programs.

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Refugee & Immigrant Services Agencies

Coverage for resettlement agencies managing document errors, interpretation liability, and sensitive client data.

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Nonprofit Thrift Stores

Coverage for thrift retail operations managing donated-goods liability, volunteer sorting injuries, and cash handling risk.

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Sports & Recreation

Youth Sports Leagues

Liability coverage for youth sports leagues managing volunteer coaches, participant injuries, field-use agreements, and abuse prevention.

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Youth Baseball & Softball Leagues

Liability and accident coverage for youth baseball and softball leagues managing batted-ball injuries, pitching workloads, and field upkeep.

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Youth Soccer Clubs

Liability coverage for youth soccer clubs managing heading-related injuries, goal-post stability, referee safety, and select-team travel.

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Youth Tackle Football Leagues

Liability coverage for youth tackle football leagues managing concussion protocols, return-to-play compliance, and helmet reconditioning standards.

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Flag Football Leagues

Liability coverage for flag football leagues managing collision injuries, rented field space, and volunteer coach oversight.

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Youth Basketball Leagues & AAU Programs

Liability and travel-exposure coverage for youth basketball leagues and AAU programs managing gym rentals and out-of-state tournaments.

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Youth Ice Hockey Associations

Liability coverage for youth ice hockey associations managing board-contact injuries, rink leases, and sanctioning-body requirements.

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Youth Lacrosse Clubs

Liability coverage for youth lacrosse clubs managing stick- and ball-impact injuries, differing boys' and girls' equipment rules, and field access.

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Youth Volleyball Clubs

Liability coverage for youth volleyball clubs managing ankle and knee injuries, net and standard setup, and multi-court tournament travel.

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Youth Wrestling Clubs

Liability coverage for youth wrestling clubs managing close-contact drilling, weight management, mat sanitation, and tournament travel.

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Competitive Cheer & Dance Teams

Liability coverage for competitive cheer and dance teams managing stunting injuries, spotting certification, rented gym space, and travel.

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Figure Skating Clubs

Liability coverage for figure skating clubs managing ice rental agreements, blade injuries, independent coaches, and competitions.

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Junior Tennis Academies

Liability coverage for junior tennis academies managing heat illness, court supervision, private lessons, and overnight tournament travel.

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Youth Track & Field and Cross Country Clubs

Liability coverage for youth track and cross country clubs managing throwing events, pole vault, off-site courses, and heat exposure.

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Youth Rugby Clubs

Liability coverage for youth rugby clubs managing tackle and scrum injuries, concussion protocol, pitch conditions, and touring sides.

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Swim Teams & Aquatic Clubs

Liability coverage for swim teams and aquatic clubs managing lifeguard supervision, pool leases, locker rooms, and open-water practice.

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Rowing & Crew Clubs

Liability coverage for rowing and crew clubs managing launch boat operation, cold-water risk, boathouse property, and regatta travel.

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Youth Cycling & Triathlon Clubs

Liability coverage for youth cycling and triathlon clubs managing open-road training, motor-vehicle exposure, race permits, and equipment failure.

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Adult Recreational Sports Leagues

Liability coverage for adult softball, soccer, basketball, and kickball leagues managing waivers, permits, and post-game socializing.

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Pickleball Clubs & Leagues

Insurance for pickleball clubs and leagues navigating rapid growth, older-player injury risk, and converted-court neighbor complaints.

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Ultimate Frisbee & Niche Rec Leagues

Liability coverage for ultimate frisbee, kickball, dodgeball, and cornhole leagues built around self-officiated, social recreational play.

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Multi-Sport League Operators

Insurance for league management companies running multiple sports across municipal facilities under contract with subcontracted staff.

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Sports Tournament & Event Organizers

Event liability coverage for organizers running single-day and multi-day sports tournaments with spectators, vendors, and host-venue requirements.

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Sports Camps & Clinics

Insurance for youth sports camps and clinics covering short-duration sessions, supervision ratios, transport, and seasonal staff hiring.

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Sports Officials & Referee Associations

Insurance for referee and umpire associations addressing assignment liability, official misclassification, and assault-toward-officials exposure.

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Professional

Law Firms

Coverage built around malpractice exposure, client trust accounts, and the confidential data every practice handles daily.

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Accounting Firms

From tax season liability to client data protection, coverage designed around the trust clients place in their numbers.

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Real Estate Agencies

Coverage for brokerages and agents facing errors and omissions claims, client property visits, and vehicle exposure.

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IT & Tech Consultants

Coverage for the systems failures, data breaches, and client disputes that come with building and managing technology.

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Marketing Agencies

Coverage for the creative and digital risks agencies face, from campaign disputes to intellectual property claims.

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Insurance & Financial Services

Coverage for agencies and advisors managing client money, built around fiduciary duty and regulatory exposure.

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Architects & Engineers

Coverage built around design errors, project delays, and the long-tail liability that comes with building things that last.

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Photographers

Coverage for gear, on-location shoots, and the client disputes that come with capturing once-in-a-lifetime moments.

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Event Planners

Coverage for the vendors, venues, and last-minute changes that come with orchestrating someone else's big day.

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Home Inspectors

Coverage for home inspectors facing missed-defect claims, ladder falls, and vehicle risk on every job site.

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Land Surveyors

Professional liability coverage for the boundary errors, easement disputes, and reliance claims tied to survey work.

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Bookkeepers

Professional liability and cyber coverage for the client trust, data access, and accuracy risks bookkeepers carry every day.

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Tax Preparers

Professional liability and cyber protection for the deadlines, filings, and sensitive data tax preparers manage each season.

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Financial Advisors

Errors and omissions coverage for the suitability, disclosure, and fiduciary risks financial advisors face with every recommendation.

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Mortgage Brokers

Errors and omissions and cyber coverage for the disclosure requirements, closings, and wire-fraud risk mortgage brokers face.

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Title Companies

Professional liability and crime coverage for the escrow funds, title searches, and closing risks title companies handle daily.

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Property Appraisers

Errors and omissions coverage for the valuation judgment calls and lender reliance that come with every appraisal report.

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Interior Designers

Professional liability and property coverage for the specification errors, furniture shipments, and jobsite visits designers manage.

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Graphic Designers

Professional liability and cyber coverage for the copyright, trademark, and client-deliverable risks graphic designers face.

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Web Developers

Professional liability and cyber coverage for the launch failures, downtime, and client data risks web developers manage.

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SaaS & Software Companies

Cyber, tech E&O, and management liability coverage for software companies handling customer data and uptime promises.

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Management Consultants

Professional liability coverage for consultants whose strategic advice carries real financial consequences for clients.

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HR Consultants

Professional and employment liability coverage for HR consultants whose guidance shapes hiring, discipline, and termination decisions.

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Translators & Interpreters

Professional liability coverage for translators and interpreters whose accuracy carries legal, medical, and financial weight.

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Court Reporters

Professional liability coverage for court reporters whose transcripts carry legal weight in depositions and trials.

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Private Investigators

Liability coverage for investigators facing privacy, surveillance, and confrontation risks in the field.

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Process Servers

Liability and auto coverage for process servers navigating trespass, confrontation, and delivery-related risks.

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Notary & Signing Services

Errors and omissions coverage for notaries and signing agents whose acknowledgments carry legal and financial weight.

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Medical Billing Services

Professional liability and cyber coverage for the PHI, coding accuracy, and payer relationships billing services manage.

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Notary Signing Agents

Errors and omissions coverage for notary signing agents handling loan document packages, identity verification, and travel.

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Payroll Processing Companies

Coverage built for the tax deposits, direct-deposit files, and client trust accounts a payroll processor moves every pay cycle.

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Pension Third-Party Administrators (TPAs)

E&O and fiduciary-minded coverage for the calculations, distributions, and participant data pension TPAs handle for retirement plans.

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Immigration Consulting Firms

Errors and omissions coverage for the filing deadlines, document accuracy, and unauthorized-practice-of-law exposure immigration consultants carry every day.

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Document Preparation Services

E&O coverage for the drafting accuracy, client records, and unauthorized-practice line that document preparation businesses have to manage every day.

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Digital Content & Media Production

Media liability and production coverage for the content, footage, and client deliverables digital media production firms create and distribute.

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Managed Service Providers (MSPs)

Technology E&O and cyber coverage built around the 24/7 privileged access small MSPs hold into every client network they manage.

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Data Processing Services

Technology E&O, cyber, and crime coverage for firms that process payroll, billing, claims, or transaction data on behalf of clients.

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Corporate Training Firms

Professional and cyber liability coverage for the curriculum, certifications, and participant data behind every corporate training session.

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Elevator Inspection Consultants

Professional liability coverage for the inspection reports and certifications elevator inspection consultants issue, separate from repair and maintenance contractor coverage.

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Industrial & Other

Warehouses

Coverage built for storage and distribution operations, from racking collapses to forklift accidents and inventory loss.

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Manufacturers

Coverage designed for production floors, from machinery breakdown and product liability to worker safety on the line.

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Wholesalers

Protection for distributors moving product between manufacturers and retailers, including inventory, transit, and liability risk.

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Agriculture & Farms

Coverage for farm operations, from equipment and livestock to crop exposure and seasonal labor.

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Nonprofits

Coverage for mission-driven organizations, from volunteer liability and board protection to property and event risk.

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Security Guard Services

Coverage for security firms managing armed and unarmed guards, patrol vehicles, and client property liability.

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Staffing Agencies

Coverage for firms placing temporary and contract workers, including workers comp for placed employees and client liability.

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Property Management

Coverage for firms managing rental and commercial properties, from tenant liability to errors and omissions exposure.

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Religious Organizations

Coverage for churches and faith-based organizations, from property and liability to volunteer and youth program risk.

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Welding Services

Coverage built around the fire, injury, and equipment risks that come with cutting, fabricating, and joining metal.

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Elevator Service & Repair

Professional and general liability coverage for the severe-injury exposure and contractual indemnity in elevator maintenance work.

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Community Associations

Package insurance built around the declaration — property, liability, D&O, crime, and equipment breakdown in one program.

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