General liability
Coverage commonly used for covered third party bodily injury, property damage and related liability exposures.
◉ COMMERCIAL INSURANCE
Insurance built around how your business actually operates.
Start with what the business does day to day. The right coverage conversation follows from the real exposures.
BUSINESS INSURANCE
Build coverage around the operation, not the label.
A restaurant, contractor, trucking company and office can all need commercial insurance for very different reasons.
Business owner policy
A BOP can package eligible liability and property coverages for certain businesses.
Commercial property
Coverage for eligible buildings, contents, equipment and other business property exposures.
Workers compensation
Employee injury exposure should be reviewed with a licensed producer using the business, payroll and current state requirements.
Commercial auto & trucking
Coverage for eligible business vehicles, fleets and trucking operations based on vehicle use, drivers, radius and operations.
Professional liability
For eligible businesses whose advice, service or professional work can create a financial loss allegation.
Cyber
Coverage options may address eligible data, privacy, network and cyber incident exposures.
Umbrella / excess
Additional liability limits may be available above eligible underlying policies.
Builders risk & specialty
Construction projects, HNOA and other specialty exposures can require separate market review.
RISK DETAILS
The business model changes the insurance conversation.
These are some of the details that help a producer identify the exposures and markets worth reviewing.
- What the business actually does day to day
- Locations, occupancy, equipment and property values
- Revenue, payroll and employee exposure when relevant
- Vehicles, drivers, delivery, radius and business use
- Subcontractors, certificates and contract requirements
- Prior losses and current insurance structure
TALK TO RAMCO
Tell us what your business actually does.
We will start with the operation and work outward to the coverages that may matter.