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Business Insurance


Workers Compensation Insurance

Like most employers, you’re required by federal law to have workers’ compensation insurance for your employees. At the same time, states have their own rules, and they can create additional compliance headaches for your organization. 


Workers compensation is a type of insurance coverage that protects your employees in case of injury or disease during the course of employment. Policies can provide coverage for:

  • Medical expenses

  • Lost income/wages

  • Rehabilitation costs

  • Death benefits



General Liability 

It’s a basic fact of doing business: as much as you count on commercial property insurance to be there for you in the event of catastrophic damage to your facilities, you also need to protect your organization from potentially ruinous lawsuits that can arise as a result of accidents or negligence.


Without appropriate general liability insurance coverage, you could be putting the future of your business at serious risk.

Under most general liability insurance policies, your business can be protected from lawsuits resulting from:

  • Bodily injuries that occur to customers, employees, vendors or visitors on your premises

  • Personal injuries sustained as a result of the actions or negligence of one of your employees

  • Property damage caused by your employees

  • Advertising injury (damage from slander or false advertising)


The amount of coverage you will need depends on factors such as the type of business you run and its location.

Folding Sign


Commercial Property

Imagine that a fire breaks out and you lose your entire inventory. Or your business is burglarized causing physical damage and possibly lost assets. Your ability to recover from these incidents is dependent on your commercial property insurance.

If you intend on opening your business to the general public, general liability coverage is just the tip of the iceberg in terms of the coverage you will need. For a more comprehensive approach to coverage, we encourage you to consider commercial property policy. A typical Commercial Property Insurance policy includes coverage for:

  • Structure (building) of your business

  • Furniture

  • Equipment

  • Lost inventory

  • Business Income 

  • Outdoor signs

  • Damage to the property of others

Modern Building


Commerical Auto

Imagine you were involved in an accident in your personal vehicle while engaged in company business. Did you know your personal insurance may not cover you? What if you have employees on the road making service calls to customers? Even if your employees use company cars for both business and personal use, it would be good to look into purchasing a commercial vehicle policy for your business. If the business is the owner of the vehicle, make sure the name of the business appears on the policy as the “principal insured” rather than your name.

  • Auto Liability & Physical Damage

  • Specialized Cargo & Motor Truck Cargo

  • Non-Trucking Liability

  • Rental Coverage

  • Occupational Accident

  • Pollution Buyback

  • Towing Coverage

  • Refer Breakdown

  • Port Terminal Coverages

  • Trailer Interchange

  • Loading & Unloading

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Product Recall & Contamination

Product Recall Insurance protects your business from the first-party financial costs of performing a voluntary or involuntary product recall. If your company produces a product that is found to be potentially dangerous to consumers, you may be forced to perform a recall by the relevant regulatory body, or you may decide to issue a voluntary recall. The direct costs associated with a product recall can be devastating for any business, and the purpose of Product Recall Insurance is to provide coverage for these expenses. 

  • Accidental Contamination

  • Packaging Defect

  • Adverse Publicity

  • Government Recall

  • Malicious Tampering



Directors & Officers 

Directors and officers (D&O) liability insurance protects the personal assets of corporate directors and officers, and their spouses, in the event they are personally sued by employees, vendors, competitors, investors, customers, or other parties, for actual or alleged wrongful acts in managing a company.

Directors and officers are sued for a variety of reasons related to their company roles, including:

  • Breach of fiduciary duty resulting in financial losses or bankruptcy

  • Misrepresentation of company assets

  • Misuse of company funds

  • Fraud

  • Failure to comply with workplace laws

  • Theft of intellectual property and poaching of competitor’s customers

  • Lack of corporate governance

Board Meeting


Employment Practice Liability 

The costs associated with employment practice-related claims can be staggering and are on the rise. Employers may face a number of claims and lawsuits over wrongful termination, discrimination, workplace harassment and retaliation. And a business owner doesn’t even have to be in the wrong to be sued. The right insurance to cover defense costs and damages related to various employment-related claims can be critically important to help protect business assets. 

What's Covered?

  • Discrimination

  • Harassment

  • Retaliation

  • Violation of the Family and Medical Leave Act

  • Wrongful discipline

  • Wrongful failure to promote

  • Wrongful termination

  • Third Party Claims

  • ADA Claims 

  • Wage and Hour 



Cyber Coverage

Unfortunately, data breaches and other cyber crimes are becoming way too common. In the past couple years, data breaches have resulted in major fines and legal fees . While Cyber attacks can be very difficult to prevent completely, our carriers strive to decrease their prevalence and mitigate their damage by making clients aware of how they work and how to recognize suspicious activity.

Besides legal fees and expenses, cyber insurance typically helps with:​

  • Extortion liability 

  • Media Liability 

  • Notifying customers about a data breach and management of that data breach 

  • Restoring personal identities of affected customers

  • Recovering compromised data

  • Repairing damaged computer systems



Cargo Coverage/Inland & Ocean Marine

Cargo insurance provides protection against all risks of physical loss or damage to freight from any external cause during shipping, whether by land, sea or air. Landing Insurance believes that properly insuring freight, in conjunction with good physical risk management, is an important way to manage the financial impact of loss or damage. Our coverage includes options to insure from “warehouse to warehouse,” irrespective of the number of subcontractors involved, and covers common carrier limitations such as: “Acts of God,” terrorism, strikes, riots, and civil commotion risks.



Crime/Employee Dishonesty

Coverage for employee theft of money, securities, or property, written with a per loss limit, a per employee limit, or a per position limit. Employee dishonesty coverage is one of the key coverages provided in a commercial crime policy.




For many industries, bonds are an essential part of doing business. We have partnered with some of the leading surety markets that have the ratings, stability and consistency in underwriting to handle any size company.

Types of Bonds:

  • Car Wash Bonds

  • Bid/Performance Bonds

  • License and Permit Bonds

  • Notary Bonds

  • Pharmacy Bonds (Express Scripts and DMEPOS)

  • Court Bonds

  • Subdivision Bonds

  • Fidelity & Dishonesty Bonds



Errors and Omissions 

Professional liability insurance, also known as errors and omissions insurance (E&O), protects you and/or your company from the costly defense and settlement of claims for errors, omissions, or the failure of your work to perform as promised or intended.

Coverage includes legal defense costs — no matter how baseless the allegation — and can pay for any resulting judgments, including court costs.

You need errors and omissions insurance if you’re in the business of providing a service to clients for a fee, Some Examples are:

  • Real Estate Agents

  • Attorneys

  • Medical Professionals( Doctors, Nurses & Therapists)

  • Dentist

  • Pharmacists

  • Contractors ( Typically working on Government Jobs) 

  • Technology Firms 


Industries we are strong in

Auto Service

Food Industry

Religious Organizations



Real Estate



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