Through our trusted carriers, we can create a custom package of insurance coverages that will protect your business or organization from various situations. Below are descriptions of some of the most common coverages found in commercial insurance:

Commercial Property

The Commercial Property policy reimburses businesses and organizations for damage to their buildings and the contents of their buildings. Coverage can reimburse the damage with brand-new property, or simply pay the current value of the lost or damaged property.

Commercial Umbrella Liability

This policy provides an extra layer of liability protection that supplements underlying liability policies (E.g. the Commercial General Liability policy). It can also provide broadened and supplementary liability coverages. Coverage is provided in million-dollar increments.

Employee Benefit Liability & Fiduciary Liability

When problems occur in administrating employee benefit plans, such as on-boarding of a new employee or when retirement investment options yield poor results, the employer can be held liable for damages or opportunity costs. These coverages protect the employer against these types of scenarios.


Directors & Officers Liability

When directors or executive officers in for-profit and not-for-profit organizations make errors or omissions that adversely affect the organization, they and the organization itself can both be sued by various stakeholders. This policy covers the cost of defense and for settlements of suits for allegations of managerial errors or omissions.

Employment Practices Liability

Employees can sue their employer for harassment, discrimination, wrongful termination, defamation, retaliation, invasion of privacy, and more. This policy will cover the employer for defense costs and settlements from these types of allegations. 

Inland Marine (Property Floater)

This is a large category of property insurance. It is useful for when property is being transported or while it is away from its normal storage location. Additionally, coverage for buildings in the course of being built along with the components of the structure while being transported are covered by an Inland Marine policy. 

Commercial General Liability

The Commercial General Liability (CGL) policy is the first barrier of defense, protecting businesses and organizations from liability claims involving bodily injury, property damage, and certain intangible damages. The damages can be caused by the operations, the products, or the premises.

Workers' Compensation

In Nebraska and many other states, Workers' Compensation is a mandatory coverage as soon as an organization has even a single employee. Workers' Compensation provides state-mandated benefits to a worker for injury, disability, or disease contracted by the worker in the course of his or her employment.

Business Automobile

Automobiles used in business and other commercial activities exceed the scope of a Personal Auto policy, leaving gaps in coverage. Business Automobile insurance expands coverage to fill these gaps, providing a policy suitable for commercial uses. However, it still provides similar types of coverage, such as liability, damage to the auto itself, and for Uninsured/Underinsured Motorists. It can be altered further for specialized commercial uses, such as semis and garbage trucks. 

Professional Liability

A Professional Liability policy goes beyond the Commercial General Liability policy to cover specialists, such as professions that require a license. It also covers purely financial losses that are caused by the professional's errors or omissions.

Business Income & Extra Expense

After a significant loss, many businesses cannot operate until machinery is replaced and/or a new space is located. The extra expenses spent expediting recovery and the loss of net income incurred during the downtime can be covered by the Business Income & Extra Expense coverages.