Why Commercial Insurance Matters

Every business faces risk — but without the right coverage, a single event can cause major disruption or financial loss.

• A customer slips in your store and files a lawsuit

• A fire damages your equipment and halts operations

• One of your employees is injured on the job

• A client sues for errors in your service or contract

• Your tools are stolen from a job site

The right commercial insurance helps you recover quickly, avoid costly out-of-pocket expenses, and meet client and licensing requirements along the way.

What Does Commercial Insurance Cover?

No two businesses are the same — and neither are their insurance needs. We build policies that reflect how your operation actually runs.

Core business protections include:

• Business Owners Policy (BOP) – Combines general liability and property coverage in one affordable package

• General Liability – Covers injuries or property damage you may be liable for

• Commercial Property – Protects your building, gear, inventory, and business equipment

• Workers’ Compensation – Helps cover medical costs and lost wages if an employee is injured

• Commercial Auto – Covers vehicles used for transporting people, goods, or tools on the job

Specialized & Industry-Specific Coverages

Some businesses need more than the basics — we offer customizable coverage designed to address your industry’s unique risks.

Industry-specific options may include:

• Contractors Tool Coverage – Protects tools and mobile equipment on and off the job site

• Installation Floater – Covers materials from storage to site during construction

• Professional Liability (E&O) – Ideal for consultants, agents, and service-based professionals

• Product Liability – Protection for manufacturers, distributors, and sellers

• Cyber Liability – Covers data loss, hacks, and customer privacy issues

• Business Interruption – Helps cover lost income if your business must temporarily shut down

• Lessor’s Risk Insurance – Protects commercial building owners renting to other businesses

We’ll help you choose only what you need — nothing more, nothing less.

Licensing, Contracts & Client Requirements

Meeting Industry Standards and Legal Expectations

Many businesses are required to carry insurance by state law, licensing boards, or client contracts — especially if you:

• Have employees

• Use vehicles for work

• Rent or own commercial property

• Work with government agencies

• Bid on jobs as a contractor

At TrailView, we help ensure your policy meets all required standards — and give you the proof of insurance you need to secure contracts, licenses, permits, and peace of mind.