Already covered above. Protects against bodily injury, property damage, and legal claims from third parties.

If you drive to customer locations using a business vehicle (van, truck, etc.), you need this to cover:

• Vehicle damage (collision, theft, etc.)

• Accidents involving your business vehicle

• Property damage or injury caused while driving

Personal auto policies usually exclude business use.

Also called inland marine insurance, it covers:

• Theft, loss, or damage of tools and equipment used for your job

• Applies on the job site, in transit, or stored in a work van

Example: Your toolbox is stolen from your vehicle overnight — this policy can cover the loss.

This is a bundled package that includes:

• General liability

• Commercial property (if you have a physical shop/office)

• Business interruption coverage

Great for affordability if you work from a shop or office.

Legally required in most states if you have employees. Covers:

• Employee medical bills from job-related injuries

• Lost wages

• Lawsuits from injured employees

Even if you hire subcontractors, you may be liable for them unless they have their own coverage.

Covers claims of negligence, poor workmanship, or failure to perform a service properly.

• Example: You install an oven incorrectly and it damages the customer's home.

General liability doesn’t cover poor work — this policy can fill that gap.

If you:

• Store customer information

• Take payments or appointments online

• Use mobile apps or software

This protects against data breaches, hacking, and cyber extortion.

Some states or cities may require a contractor’s bond to operate legally.

• Shows customers you're financially reliable and accountable

Often required to pull permits or work on certain jobs.

A surety bond is a financial guarantee that ensures specific obligations will be fulfilled according to agreed-upon terms. These bonds protect consumers and government entities from fraud, malpractice, or non-compliance. They’re often required for businesses to obtain licenses or permits, ensuring accountability and trustworthiness.

Many industries and individuals across the U.S. require surety bonds, including:

• Contractors: To meet licensing requirements and guarantee project completion.

• Auto Dealers: To ensure compliance with state regulations.

• Notaries: To protect the public from notarial misconduct.

• Freight Brokers: To secure payment obligations to shippers and carriers.

• Business Owners: For various licenses, such as alcohol permits or employment agencies.

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Whether you’re starting a new business or maintaining compliance, our team can help you get bonded quickly.

The cost of a surety bond typically ranges from 1% to 10% of the total bond amount. For example, if you need a $10,000 bond, your premium could be as low as $100. Several factors determine the exact cost, including:

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• Bond Amount: Higher bond amounts generally have higher premiums.

• Bond Type: Some bonds have a fixed rate, while others may require detailed underwriting.

• Personal Credit Score: A higher credit score can help secure a lower premium.

• Professional Experience: Established businesses or professionals may qualify for better rates.

• Business Financials: Strong financial stability can reduce risk and lower costs.

• Assets & Liquidity: Demonstrating sufficient assets can help reduce premiums.

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Our streamlined process makes getting bonded easy and stress-free. Here’s how it works:

1. Identify Your Bond Requirements: Contact the obligee (the entity requiring the bond) to determine the specific bond type and amount you need.

2. Submit Your Application: Complete our simple online application.

3. Receive Your Quote: We’ll review your application and provide a competitive quote instantly.

4. Pay Your Premium: Secure your bond by paying the premium online.

5. Receive Your Bond: Once payment is made, you’ll receive your bond immediately.

6. File Your Bond: Sign and submit the bond to the obligee as required.

While your credit score can impact your premium, we work with multiple providers to secure the best rate for your situation.

Most bonds are valid for one year, but this varies by bond type. Renewal is typically easy and straightforward.

Yes, if your business requires multiple bonds, we can help you bundle them for convenience and potential savings.