General Liability
Core coverageHelps cover third‑party bodily injury, property damage, and related legal costs.
- Slip-and-fall and premises claims
- Advertising injury (varies)
- Certificates of Insurance (COIs) supported
AllGuard Insurance Brokerage Inc
Business Insurance
Protect your business from the unexpected with coverage designed for your industry.
Liability ProtectionHelps cover claims and legal costs
Property + AssetsHelps protect equipment and inventory
Certificates FastCOIs for landlords and clients
Independent Brokerage
Fast Quotes
Personalized Coverage
Talk to an Agent
Quick helpHave a deadline, lender request, or need a certificate? We’ll help you move fast.
Have this handy:
- Business name + address
- Industry + operations summary
- Payroll/employee count (if applicable)
- Landlord/client COI requirements
What is Business Insurance?
Business insurance is a set of coverages that help protect your company’s property, operations, and finances from common risks like lawsuits, accidents, and unexpected losses.
What does it cover?
Business coverage can be combined to protect your property, people, and operations.
Commercial Property
If you have a locationHelps cover your business property (inventory, equipment, build‑outs) for covered losses.
- Fire, theft, certain water damage
- Coverage for contents & improvements
- Consider replacement cost options
Business Interruption
Income protectionHelps replace lost income and cover certain expenses if operations are interrupted by a covered loss.
- Payroll and operating expenses
- Temporary relocation costs
- Waiting periods may apply
Workers’ Compensation
Often requiredHelps cover employee medical bills and lost wages for work-related injuries or illness.
- State rules vary
- Protects employees & employer
- Required for many contracts/leases
Professional Liability (E&O)
Service businessesHelps cover claims related to professional services, errors, or negligence allegations.
- Client disputes and project claims
- Defense costs can be significant
- Common for consultants and agencies
Cyber / Data Breach
Modern essentialHelps with response costs after a data incident (notification, recovery, certain liabilities).
- Incident response support
- Business downtime coverage options
- Varies by carrier and limits
Good to know
Many landlords and clients require specific COI wording—share the certificate holder details and deadline so we can expedite.
Who needs it?
Small businesses
Contractors & trades
Retail and restaurants
Professional services firms
Startups and growing teams
Need proof of coverage?
We can help with quotes, policy questions, and certificate requests. Share your deadline and certificate holder details.
Frequently Asked Questions
Do I need business insurance if I’m a sole proprietor?
Often yes—liability risks still exist, and many clients require proof.
How fast can I get a Certificate of Insurance (COI)?
In many cases, we can issue it the same day once coverage is in place.
What affects my premium?
Industry, revenue, payroll, claims history, and coverage limits.
Can I bundle policies?
Yes—packages can reduce gaps and may lower cost.
What limits should I choose?
We’ll recommend limits based on contracts, landlord requirements, and risk.
Get a Free Quote
Ready to protect what matters?
Request a free quote or speak with an agent.