Commercial Insurance That Protects Your Business
General liability, workers' comp, commercial auto, property and more, from an independent agency that shops multiple carriers for you.
Business Coverage, Explained
Every business is different. Here's what each policy does, so you can see where you're protected and where you might not be.
General Liability
The foundation of nearly every business insurance program. It protects you when a customer, vendor or visitor claims you caused them harm.
Learn more →Commercial Auto
Coverage for the cars, vans and pickups your business owns, plus the vehicles your employees drive on company errands.
Learn more →Workers' Compensation
Required in most states once you have employees. It protects your people and protects your business from injury lawsuits.
Learn more →Commercial Property
Protects the building, equipment and inventory your business depends on, and the income you'd lose while you rebuild.
Learn more →Business Owner's Policy (BOP)
General liability and property in one package, built for small and mid-size businesses.
Learn more →Commercial Umbrella
Extra limits on top of your primary policies for the claim that's bigger than you planned for.
Learn more →Professional Liability (E&O)
Protection when a client says your advice, service or mistake cost them money.
Learn more →Trucking Insurance
Haul freight for others? Our trucking division covers liability, cargo and physical damage.
Learn more →Industries We Insure
Don't see yours? Call us. If we can't place it, we'll tell you who can.
Speaking the Language of Contracts
Clients, landlords and general contractors often ask for specific wording. We'll make sure your policies include it.
Additional Insured
Extends your liability coverage to protect another party, such as a client or landlord, for claims arising from your work.
Waiver of Subrogation
Prevents your insurer from seeking reimbursement from the other party after paying a claim. Common in construction and logistics contracts.
Primary & Non-Contributory
Your policy pays first, before the other party's insurance, and doesn't ask their policy to share the loss.
Certificate of Insurance (COI)
A summary proving coverage is in force. We issue them quickly, usually the same business day.
Get a Business Insurance Quote
Tell us about your business and we'll shop the market for you.
Business Insurance FAQ
What insurance does a small business need?
Most businesses start with general liability. If you have employees, most states require workers' compensation. Business-owned vehicles need commercial auto. If you own property or equipment, add commercial property, often bundled with liability in a Business Owner's Policy.
Can you insure my business and my trucks together?
Yes. That's one of the biggest advantages of working with Motive. We coordinate your trucking, general liability, workers' comp and umbrella so the policies fit together without gaps or overlaps.
How fast can I get a certificate of insurance?
Once coverage is in force, certificates are usually issued the same business day.
Ready to see what you could save?
Talk to a licensed agent who shops multiple carriers for you. Free, fast and no pressure.