Insurance built around how your business actually works

Real estate investors accumulate insurance the same way they accumulate properties: one policy at a time, from whoever was convenient. A few years in, the portfolio has five carriers, inconsistent limits, and premium nobody has re-checked.

What we typically cover

• Landlord / dwelling fire policies : for residential rentals held personally or in small LLCs
• Lessors risk / commercial property : for commercial buildings, multifamily, and mixed-use
• Loss of rents / business income : to replace rental income after a covered loss
• Vacant property coverage : for properties between tenants or under renovation
• Builders risk : for flips and major renovations
• Umbrella or excess liability : to sit above the whole portfolio

Contractors usually need insurance on a deadline: a GC wants a certificate, the ROC wants proof, a job starts Monday. We work at that speed, and we read the contract requirements so the certificate actually matches what was asked.

What we typically cover

• General liability : required by GCs, landlords, and most contracts before you can start
• Workers compensation : required with employees; often required of solo subs too
• Commercial auto : for work trucks and trailers
• Inland marine / equipment : for tools and machines that move between sites
• Excess liability : when contracts require $2 million or more

Most consultants buy insurance the first time a client contract demands it. The contract asks for E&O, GL, sometimes cyber, and gives you two weeks. That is a normal start, and we can usually work within it.

What we typically cover

• Professional liability / E&O : the core policy; responds when advice or work product is blamed
• General liability : required by offices, venues, and many client contracts
• Cyber liability : for client data and funds-transfer fraud exposure
• Business owners policy (BOP) : bundles GL with office contents efficiently

Nonprofits juggle exposures that look nothing like a typical business: volunteers, events, donated space, vulnerable populations, and a board of community members who did not sign up for personal liability.

What we typically cover

• General liability : premises, events, and program operations
• Directors & officers with EPLI : protects board members and covers employment claims
• Abuse and molestation coverage : essential for youth-serving and care programs
• Volunteer accident coverage : medical coverage for injured volunteers
• Property and equipment : for owned or borrowed space and gear
• Cyber liability : donor data and payment systems

Wellness sits in an awkward spot for insurance. The work is hands-on, the claims can be bodily injury or professional in nature, and many standard carriers are unsure what to do with a sound bath, a cryotherapy chamber, or an IV bar.

What we typically cover

• General liability : premises and operations, required by most studio leases
• Professional liability : covers the treatment and instruction side of claims
• Property / BOP : equipment, build-outs, and lost income
• Abuse and molestation coverage : increasingly expected for hands-on practices
• Cyber liability : client records and payment data

Youth sports organizations carry real responsibility: other people's kids, volunteer coaches, borrowed fields, and a season that starts whether the paperwork is ready or not.

What we typically cover

• General liability : required by fields, schools, and municipalities before issuing permits
• Participant accident coverage : pays medical costs for injured players regardless of fault
• Abuse and molestation coverage : essential, and expected by sanctioning bodies
• Directors & officers : for the board running the organization
• Equipment coverage : for owned gear and field equipment

A mobile business blends exposures that normally live in separate policies: a commercial vehicle, business equipment, customer-facing operations, and often food or personal services, all moving between locations daily.

What we typically cover

• Commercial auto : the truck or van is the business; personal auto will not cover it
• General liability : customer injuries and property damage, required by events and venues
• Equipment / inland marine : cooking equipment, tools, generators, and trailers
• Product liability : for food and goods sold
• Workers compensation : once you have staff

Accountants, recruiters, marketing firms, property managers, designers: businesses that sell judgment share a risk profile. The dangerous claim is rarely a slip and fall. It is a client saying your work cost them money.

What we typically cover

• Professional liability / E&O : the core protection for the work itself
• General liability or BOP : lease requirements and premises risk, with office contents
• Cyber liability : client data, email compromise, and wire fraud
• EPLI : employment claims once you have staff
• Workers compensation : required with employees in Arizona

Running a business from home keeps overhead low, but it creates a quiet coverage gap: homeowners policies provide little or no coverage for business property, and typically none for business liability. The garage full of inventory and the client visiting your home office are both likely uncovered.

What we typically cover

• Business owners policy (BOP) : GL plus business property in one efficient package
• General liability : standalone, when property needs are minimal
• Professional liability : for consulting and service work
• Product liability : for makers and online sellers
• Homeowners endorsements : limited business coverage for very small operations

Transportation insurance is its own world: filings, cargo requirements, broker packets, and pricing that swings on radius, commodity, and driving records. Getting it wrong means loads you cannot book or claims that do not pay.

What we typically cover

• Auto liability : $750k to $1M with FMCSA filings for for-hire operations
• Motor truck cargo : required by brokers and shippers, commonly $100k
• Physical damage : for owned and financed equipment
• Non-trucking liability : for leased-on owner-operators driving off dispatch
• Workers compensation or occupational accident : for drivers

Auto businesses hold the one thing standard liability policies refuse to cover: other people's vehicles, in your care, every day. That is why this industry runs on its own policy forms, garage liability and garagekeepers, and why generalist policies leave gaps.

What we typically cover

• Garage liability : the industry's version of GL, built around auto operations
• Garagekeepers : customer vehicles in your care; direct primary forms keep customers whole
• Dealers open lot : physical damage on inventory for dealers
• Workers compensation : shop injuries are frequent and expensive
• Property / equipment : lifts, diagnostics, and the building or lease

Food businesses combine almost every classic insurance exposure under one roof: customers on premises, employees with knives and fryers, products people ingest, often alcohol, and equipment that the whole operation dies without.

What we typically cover

• General liability with products coverage : customers, premises, and what they ate
• Property with equipment breakdown and spoilage : kitchens stop when equipment does
• Liquor liability : required by Arizona liquor licensing where alcohol is served
• Workers compensation : kitchens generate real injury frequency
• Business income : covers the revenue gap after a covered shutdown
• Hired and non-owned auto : for delivery exposure

Tech companies usually meet insurance through someone else's checklist: an enterprise customer's vendor requirements, an investor's closing conditions, a data processing agreement. The requirements are specific and the deadlines are real.

What we typically cover

• Technology E&O : covers the product failing and the advice behind it; usually blended with cyber
• Cyber liability : breach response, extortion, and liability to affected parties
• General liability : lease and vendor checklists ask for it; cheap to include
• D&O : expected once outside investors arrive
• EPLI and workers comp : as headcount grows

Beauty work is hands-on, chemical-adjacent, and personal, which means claims can be physical (a burn, a reaction) or professional (a service gone wrong). The booth rental model adds its own wrinkle: who covers what between the salon owner and the renters?

What we typically cover

• General liability : premises claims; required by suite and salon leases
• Professional liability : the service-related claims that GL alone may not pick up
• Property / BOP : equipment, build-outs, and lost income
• Workers compensation : for employee-based salons

Arizona outdoor work is year-round work: landscaping, irrigation, pool service, pest control, exterior cleaning. The risk profile is trucks, trailers, crews, customer property, and heat, and the insurance program needs to match all five.

What we typically cover

• General liability : customer property damage and third-party injuries; required by commercial accounts and HOAs
• Commercial auto : trucks and trailers doing daily routes
• Inland marine / equipment : mowers, trailers, and tools, with theft conditions that match reality
• Workers compensation : required with crews; heat injuries make it earn its premium
• Pesticide/herbicide endorsement : if you spray, your GL needs to say so