Industry Focus

Businesses & Nonprofits We Insure

From restaurants, contractors, and tech firms to human services and youth programs — find your industry to see the risks that matter and start an application built for it.

Our Expertise

Industries We Protect

We place coverage for businesses and nonprofits alike — from restaurants and contractors to youth programs and human services. Find your category to see the risks and coverages that matter.

Business & Commercial

Coverage for the businesses that keep your community running.

Restaurants & Hospitality

Restaurants, bars, cafes, caterers, and lodging. Coverage for kitchen fire, liquor liability, guest injury, and the property that keeps service running.

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Retail Stores

Boutiques, specialty shops, grocers, and online sellers. Coverage for customer injury, product liability, inventory, theft, and business interruption.

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Contractors & Trades

General contractors, roofers, electricians, plumbers, HVAC, and specialty trades. Coverage for job-site injury, tools and equipment, and completed work.

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Manufacturing

Fabricators, food and beverage producers, machine shops, and light industrial. Coverage for product liability, equipment breakdown, and employee safety.

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Technology & Software

Software firms, IT services, MSPs, and SaaS. Coverage for professional errors, data breach, privacy, and the contracts clients require you to carry.

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Auto Dealers & Garages

Dealerships, repair shops, body shops, and service garages. Coverage for customers’ vehicles in your care, garage liability, and the lot itself.

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Real Estate

Property owners, managers, brokerages, and investors. Coverage for premises liability, buildings, tenant disputes, and real estate professional exposure.

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Financial Services

Advisors, credit unions, lenders, and financial institutions. Coverage for professional liability, fidelity and crime, cyber, and management exposure.

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Breweries & Wineries

Breweries, wineries, distilleries, and taprooms. Coverage for production equipment, product spoilage, liquor liability, and tasting-room guests.

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Sports & Fitness

Gyms, fitness studios, sports leagues, camps, and instructional programs. Coverage for participant injury, premises, equipment, and staff.

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Special Events

Festivals, fundraisers, markets, and private events. Coverage for guest injury, vendor requirements, liquor exposure, and cancellation.

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Media & Communications

Agencies, publishers, broadcasters, and production companies. Coverage for media liability, equipment, and the errors that follow published work.

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Accounting & CPA Firms

CPA firms, bookkeepers, and tax preparers. Coverage for professional errors, client data, and the management risks of a growing practice.

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Law Firms

Solo practitioners and firms across practice areas. Coverage for malpractice allegations, client funds, cyber, and firm property.

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Printing & Publishing

Commercial printers, sign shops, and publishers. Coverage for production errors, equipment breakdown, and content-related claims.

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Municipalities & Public Entities

Cities, districts, and public authorities. Coverage for public officials liability, law enforcement, property, fleet, and employee exposure.

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General Contractors

A general contractor's program is largely a risk-transfer program, because most of the physical work is performed by subcontractors. Certificates, additional insured status and indemnity language decide what you actually carry.

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Construction Projects

Construction risk is priced off what you build, how high you work, and how much you hand to subcontractors. Builders risk, project aggregates and completed operations are the coverages that decide a project program.

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Installation Contractors

Installation contractors carry a property exposure most contractors do not, because the product being installed is usually still theirs until it is accepted. Installation floaters and completed operations do the work here.

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Professional Services

Accountants, attorneys, engineers and consulting firms are insured against the consequences of being relied on — a client acting on your advice and suffering a loss. Errors and omissions is the centre of the program, not general liability.

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Office-Based Businesses

Insurance agencies, marketing firms and design studios hold client data and client money without holding much physical property. Cyber liability and professional liability usually matter more than the property schedule.

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Small Business

If your operation does not map cleanly onto one of the segments above, start here. Tell us what you actually do day to day and we will tell you which lines your exposure calls for.

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Nonprofit & Social Impact

Mission-driven organizations, with the exposures that come with serving people.

Arts & Culture

Museums, theaters, performing arts, galleries, and cultural centers. Readily accepted with coverage for property, liability, and operational risks.

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Food & Nutrition

Food banks, pantries, congregate meal programs, Meals on Wheels, and nutrition nonprofits. Full coverage available for operations and liability.

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Membership Organizations

Chambers of commerce, trade associations, advocacy groups, and business alliances. Straightforward coverage for operations and member events.

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Philanthropy & Grantmaking

Community foundations, private foundations, grant makers, and research societies. Comprehensive coverage for fiduciary and operational risks.

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Recreation & Sports

Parks, Special Olympics, recreation centers, and recreational clubs. Coverage for facilities, events, and participant liability.

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Research Institutes & Laboratories

Professional societies, research institutes, and scientific organizations. Coverage for research operations, facilities, and intellectual property.

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Social Science & Population Studies

Population studies, ethnic studies, women's studies, urban research. Coverage for research activities and institutional liability.

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Youth Development

Boys & Girls Clubs, youth centers, Girl Scouts, mentoring programs. Full coverage for youth activities, staff, and facility operations.

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Education

Preschool through college, libraries, vocational schools, charter schools, after-school programs. May require underwriting review for comprehensive coverage.

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Environmental Protection

Water/land conservation, botanical gardens, garden clubs. Coverage available for conservation programs and facility operations.

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Employment Services

Job training, career counseling, job assistance programs. Coverage for employment services liability and program operations.

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Housing & Shelter

Homeless shelters, transitional housing, group homes, search assistance. Requires underwriting review based on services and occupancy details.

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Mental Health & Wellness

Counseling centers, addiction treatment, crisis intervention. Coverage available with underwriting review of treatment programs and staff qualifications.

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Religious Organizations

Churches, synagogues, mosques, temples. Coverage available with underwriting review. Note: International activity may affect eligibility.

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Human Services

YMCAs, family services, senior centers, hospice. Coverage available for most services. Some programs, including adoption and emergency assistance, may need a specialty market.

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Family & Care Services

Daycare, family services, thrift shops, Goodwill, home health care, sheltered workshops, CASA. Coverage available for most services; foster care generally needs a specialty market.

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Fundraising & Multi-Purpose

Organizations serving multiple communities or purposes. Underwriting review required to assess specific program risk.

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Animal-Related Organizations

Therapeutic animal programs are the easiest for us to place today. Shelters, zoos, sanctuaries, and preservation programs usually need a specialty or surplus lines market rather than a standard nonprofit program — tell us what you do and we will be straight with you about whether we have a market.

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Startup & New Nonprofits

Organizations with less than 2 years operating history may be considered with additional documentation: budget, business plan, and executive resume.

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Industries We Serve

Two businesses with identical revenue can carry completely different exposures. A roofing contractor is underwritten on heights, subcontractor use and certificate compliance. A law firm is underwritten on practice area and claims history. A restaurant is underwritten on cooking operations, liquor and slip-and-fall frequency. A technology company is underwritten on the contracts it signs and the data it holds.

We start with how an operation actually runs — what it does, who it hires, where it goes and what it signs — then match that to the coverage forms and endorsements the class requires. That is also how the submission is presented to underwriters — a large part of why two applications for the same business come back looking very different.

Contractors, general contractors, construction and the skilled trades
Professional services — accounting firms, law firms and office-based businesses
Manufacturing, retail and restaurant or hospitality operations
Auto dealers, real estate businesses and financial services firms
Technology companies and general small business classes
Nonprofit and human services organizations

industries we write coverage for · general contractor insurance · construction insurance · insurance for the skilled trades · professional services insurance · insurance for accounting firms · law firm insurance · manufacturing insurance · retail store insurance · restaurant and hospitality insurance · technology company insurance · human services organization insurance · small business insurance