Small business insurance.

Your business is important to you! It is a large asset that needs proper protection. We want to make sure to address all the protection your business needs through our risk management approach.

Landmark RMS serves all business sizes from a sole proprietor to national exposures. We look forward to working with you regardless of your size of business!

What does small business insurance cover?

Small business insurance should cover your business’ needs. It’s not one policy. There is no one-size-fits-all solution.  Since your business is unique, Landmark RMS works with you to determine the coverage your business needs. Then we provide the best insurance options for you. Here are some of the top most common types of small business insurance, used by entrepreneurs everywhere.

General Liability Insurance

General Liability, or “CGL” Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. It covers situations where someone is injured on your business premises or if your business activities cause damage to someone else’s property.

Workers’ Compensation Insurance

If your business has employees, workers’ compensation insurance is usually required by law. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.

Commercial Auto Insurance

If your business owns vehicles used for business purposes, such as delivery trucks or service vehicles, commercial auto insurance provides coverage for those vehicles. This includes liability coverage for accidents and physical damage coverage for the vehicles.

Commercial Property Insurance

Property insurance covers physical assets such as your building, inventory, furniture, equipment, and fixtures against risks like fire, theft, vandalism, and natural disasters.

Professional Liability Insurance (E&O)

If your business offers professional services professional liability insurance can protect against claims of errors, omissions, or negligence in providing those services.

Business Interruption Insurance

Crime insurance provides coverage for losses resulting from criminal activities such as theft, fraud, and employee dishonesty. It helps protect against financial losses arising from criminal actions within your business.

Business Owners Policy (BOP)

A business owners policy, or “BOP” is all the coverage most small businesses need in one easy package with two main areas: commercial property insurance and general liability insurance.

Cyber Liability Insurance

Cyber insurance, also called cyber security insurance, is designed to protect your business from the financial consequences of viruses, malware, security breaches, ransomware, or other cyber crimes.

Commercial Umbrella Insurance

Commercial umbrella, or “commercial excess” is a policy designed to cover a loss that exceeds the limits of your basic business liability limits offering up to $10 million of additional funds.

Builders Risk Insurance

Builder’s risk, sometimes referred to as “course of construction”, is a form of commercial property insurance which covers a building while presently being constructed or heavily remodeled. It can cover just the structure, or also the materials on site waiting to be installed or transported to the job site.

Commercial Trucking

Similar to commercial auto insurance, commercial trucking insurance provides liability, comprehensive, and collision coverage, as well as additional coverages specific to trucking use. It’s designed to protect your business from significant losses that could affect your company’s financial wellbeing.

Bonds

A bond in layman’s terms is a way to secure a debt. It’s a way for you to put up a little cost up front that says “I am letting you borrow this money so as to your agreement to pay the face value of said bond if ever needed”.

Landmark RMS
Our commercial specialties.

Specializing in Tough to Place Risk.

Landmark RMS specializes in providing specialty insurance options for any legacy or start-up operational risk. Industries include:

Contractors: Artisan and Specialty

Staffing and PEOs

Healthcare & Assisted Living

Manufacturing & Production of Goods

Hospitality: Restaurants & Hotels

1099s & Shift/Gig Workers

Transportation:  Last Mile; Trucking; Bus/Limo; Ambulatory

Non-profits / Public Entities / Social Services

Licensed and Ready to Write in every state!

States Where We Provide Insurance Services.

Give us a call: 888-508-6787

Contact Landmark with questions or for more information

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Quick thinking insurance for fast moving businesses.