Heritage Insurance Advisors

Business insurance

Coverage for the work
you actually do.

Tell us what your business does, what it owns, how many people work there, and what your contracts require. We use that information to compare coverage from carriers that write your type of business.

A small-business owner checking his workspace at the start of the day
The business behind the policyPeople, property, contracts, and the work that ties it together.

Business coverage

Start with
the basics.

Most small businesses need more than one kind of coverage. These are the policies we review most often.

Own rental property? Landlord & rental property insurance

  1. Commercial insurance

    A coordinated package of liability, property, and coverage specific to your industry. This is the best place to start if you need more than one policy.

  2. General liability

    Coverage for third-party bodily injury, property damage, and related legal costs arising from your premises or operations.

  3. Commercial property

    Coverage for buildings, equipment, inventory, and lost business income after certain types of property damage.

  4. Workers compensation

    Coverage for employee work injuries and illnesses. We also review payroll and classification codes because both affect the premium.

  5. Business owner's policy

    A combined property and liability policy designed for many smaller businesses, often with optional coverage added for the specific operation.

Getting started

What do we need
to prepare a quote?

We do not need a polished presentation. A current policy and a short conversation are usually enough to identify the information a carrier will ask for.

If a landlord, customer, or general contractor gave you insurance requirements, send those too. We can review the wording before we quote.

Want us to review your business insurance?

Send your current policy and a short description of the business. We will review the coverage, identify the information needed to compare options, and explain what we find.