Mid-America Specialty Markets

Business insurance guide

Business Insurance

Business insurance brings together policies for property, vehicles, employees, liability, and industry-specific risks. Use these guides to understand the purpose of each coverage and the details worth comparing.

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Business Insurance Coverages

Learn what core commercial policies commonly protect, where limitations arise, and what to compare.

General Liability Insurance

Core liability coverage for third-party bodily injury, property damage, and certain personal and advertising injury claims.

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Commercial Auto Insurance

Coverage for liability and physical damage exposures involving vehicles used in a business.

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Commercial Property Insurance

Protection for buildings, business personal property, stock, equipment, and selected income exposures.

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Workers’ Compensation Insurance

Coverage for work-related employee injuries and illnesses, together with employer liability protection.

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Professional Liability Insurance

Coverage for certain claims alleging errors, omissions, negligence, or failure in professional services.

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Product Liability Insurance

Coverage for certain bodily injury or property damage claims arising from products made, sold, or distributed.

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Cyber Liability Insurance

First- and third-party coverage for selected data, privacy, security, and technology incidents.

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Commercial Umbrella Insurance

Additional liability limits above scheduled underlying business policies, subject to its own terms.

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Builders Risk Insurance

Temporary property coverage for a building or project while construction is underway.

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Commercial and Contract Bonds

Surety bonds that guarantee specified obligations rather than insuring ordinary business losses.

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Ready to discuss your business insurance?

Bring your current policies and basic information about your operations, property, vehicles, employees, contracts, and loss history so coverage differences can be reviewed.

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