Who This Is For

We’re a good fit for businesses that understand insurance is part of their operation — not just a line item.

• HVAC contractors
• Electricians and electrical contractors
• General contractors and trade specialists
• Warehouses and light distribution operations
• Service businesses with vehicles, employees, or subcontractors

If you’re only looking for the cheapest number without reviewing coverage, we may not be the right fit — and that’s okay.

Why Commercial Policies Go Wrong

Most commercial insurance problems don’t show up on day one — they show up at audit, claim time, or when a certificate is rejected.

• Workers’ comp class codes that don’t match actual operations
• Subcontractor exposure not handled correctly
• Sales, payroll, or receipts underestimated at binding
• Commercial auto misrated or underwritten incorrectly
• Coverage written by agents unfamiliar with the industry

These issues quietly drive premiums up and create stress later.

What We Review

Our focus isn’t just quoting — it’s making sure your insurance actually works when it’s tested.

• General Liability (operations, subs, additional insureds)
• Workers’ Compensation (class codes, payroll, audit exposure)
• Commercial Auto (vehicles, radius, driver use)
• Umbrella / Excess Liability
• Tools, equipment, and installation coverage where applicable

Why Businesses Reach Out

• Renewal premiums increased with no clear explanation
• Concern about upcoming audits
• New vehicles, employees, or subcontractors added
• Coverage requirements from GCs or property managers
• Uncertainty about whether current coverage is adequate

Our role is to explain what you have, what it covers, and what needs attention — without pressure to switch.