Small Business Insurance, Designed for You

Protect your business against any risks with coverage that’s fit for your company. Depending on your business type, you will need specific coverages and Defensive Insurance Services can help.

Primary Coverage

General Liability

Covers most common business risks like customer injury, customer property damage, and advertising injury. General liability also protects your small business from the costs of lawsuits and ensures you will qualify for leases and contracts. Get Quotes

Workers’ Compensation

Coverage required in nearly every U.S. state for business with employees. This insurance also protects sole proprietors against injury claims denied by health insurance. Get Quotes

Commercial Auto

Required coverage for business with company-owned vehicles, protecting against vandalism, theft or accidents. Get Quotes

Business Owners’s Policy

Known as BOP, this coverage combines commercial liability and property into one policy (and is generally lower cost). Get Quotes

Professional Liability/E&O

Errors and omissions (E&O) insurance covers your business if it's sued for work deemed unsatisfactory, or when there are mistakes made in the professional services provided to clients/customers. Get Quotes

Commercial Property

Insurance that covers the value of your business’ physical structure, including equipment, furniture and more. Get Quotes

Inland Marine

Insurance for your business that covers materials, equipment and products that are transported by land (train or truck). Get Quotes

Employment Practices Liability Insurance

Known as EPLI, this insurance defends you and your business against work-related claims like wrongful termination, discrimination and harassment. Get Quotes

Cyber Insurance

Covers your business during data breaches that involve sensitive customer information (banking information, Social Security numbers and more). Get Quotes

Excess/Umbrella Policy

Coverage that helps pay damages that are in excess of your business’ existing liability or other coverages. Get Quotes


An insurance bond is a risk mitigation tool that helps cover costs when terms of a contract or agreement are not met. A bond provides a financial guarantee. Common types are: license bonds, performance bonds, bid bonds and fidelity bonds. Get Quotes

Other Coverages

If you’re looking for more information on any type of business insurance, we offer customized insurance counsel that’s fit to your company. Get Quotes

Industry Specific

Product Liability Insurance

Covers your business when one of your products is deemed to have caused damage or injury to someone else or their possessions.Get Quotes

Medical Malpractice Insurance

Covers medical and healthcare professionals against claims of negligence and/or injury. Get Quotes

Contractor's Tools and Equipment

This is comprehensive coverage that insures a contractor’s against losses, mainly pertaining to equipment. It can also be extended to cover tools or equipment that has been borrowed or loaned. Get Quotes

Builder's Risk Insurance

Also known as course of construction coverage, this insures a structure while it is under construction. Get Quotes

Owners contractors protective

OCP covers the contractor (or project owner) who is listed on the policy. It also insures the named insured from damages or liability incurred by the contractor on the project. Get Quotes

Pollution Liability

Also known as environmental insurance, this protects the business from unexpected pollution not covered by standard property and casualty policies. Get Quotes

Liquor Liability Insurance

This protects your business against losses or liability that occur when a patron of your business injures themselves or causes damage. This is required if your business sells alcohol. Get Quotes

Farm Insurance

Also known as agriculture insurance, this provides farmers with protection against crop yield/production losses caused by adverse or extreme weather conditions (hail, frost, floods, etc.) and covers property, barns, and houses. Farm insurance also covers farming equipment. Get Quotes