Commercial insurance
Business insurance that fits how you work
From small businesses and contractors to fleets and rental property owners, Kaufman Insurance Group helps you compare commercial coverage options and get the documents your clients ask for.
- Coverage options for businesses, vehicles, and property
- Help with Certificates of Insurance
- Options reviewed with an agent
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare commercial coverage options from companies we work with. Which companies fit depends on your business, location, coverage, and underwriting.
Carrier names and logos identify insurance companies Kaufman Insurance Group may access as an independent agency. They do not imply endorsement by those companies. Availability and eligibility can vary by coverage, location, and insurer. This strip highlights a sample of companies we may be able to quote.
Choose your coverage
Business insurance we can help you with
Pick a group to find the coverage you need. Each card links to a page with more detail.
Vehicles
Coverage for the vehicles your business owns, rents, or borrows.
Commercial auto
Coverage for work trucks, vans, and company cars.
Fleet insurance
Coverage for businesses that run multiple trucks, vans, or cars.
Hired and non-owned auto
Liability when employees drive their own cars or rented vehicles for work.
Owner-operator trucking
Coverage for truckers who own and run their own rig.
Hotshot trucking
Coverage for pickup and trailer haulers who run hotshot loads.
Property and buildings
Coverage for the buildings you own, lease, rent out, or are working on.
Commercial property
Protection for your building, equipment, and inventory.
Business owners policy (BOP)
A package of property and liability coverage for many small businesses.
Lessor’s risk
Coverage for buildings you lease to business tenants.
Vacant property and builders risk
Coverage for empty buildings, renovations, and new construction.
Landlord insurance
Coverage for single-family rentals, duplexes, and small multi-family buildings.
Short-term rental
Coverage for homes rented to guests on Airbnb, VRBO, and similar sites.
Liability
Coverage for claims that your business hurt someone, damaged property, or made a mistake.
General liability
Protection if your business is blamed for injuring someone or damaging their property.
Commercial umbrella
Extra liability limits above your other commercial policies.
Cyber and professional liability (E&O)
Coverage for data breaches and claims about your advice or services.
Contractors and trades
Coverage for contractors and service businesses, from one-person crews to growing companies.
Contractor insurance
Start here for general liability, tools and equipment, and work vehicles for the trades.
Workers’ comp outside Ohio
Ohio employers get workers’ compensation through the state-run Ohio Bureau of Workers’ Compensation.
Workers’ compensation outside Ohio
Coverage for employees in North Carolina and most other states.
Coverage for the way you operate
Who commercial insurance is for
Commercial coverage can be a fit for owners who need Certificates of Insurance, contractors and service businesses, fleet operators, and real estate investors.
A clear business review
How to get a commercial quote
Share business details
Tell us what your business does, where it operates, what it owns, and what contracts require.
We compare options
An agent reviews companies we work with for your business and coverage needs.
Review and decide
Walk through limits, deductibles, exclusions, and documents before you decide.
Related coverage
Review business and personal needs
Auto insurance
Review personal auto coverage for you and your household.
Homeowners insurance
Review coverage for your home and belongings.
Personal lines
See personal coverage in one place.
Get a quote
Tell us about your business and the coverage you need.
Business insurance questions
Frequently asked questions
How soon can I get a Certificate of Insurance?
We issue certificates after a policy is bound when the request is clear. Share the certificate holder and request details with your agent so they can review what is needed.
Can you quote one work vehicle and larger fleets?
We can discuss options for a single work vehicle and for larger fleets. The information needed depends on the vehicles, drivers, use, and business.
What is the difference between general liability and professional liability?
General liability generally addresses claims involving bodily injury, property damage, or certain personal and advertising injuries. Professional liability generally addresses claims tied to professional advice or services. The policy language controls.
Do you help with landlord and rental portfolios?
Yes. Landlord and rental property coverage is available through the commercial insurance conversation. Tell us about the properties and how they are used.
What is pay-as-you-go workers’ compensation?
Pay-as-you-go workers’ compensation uses payroll information to help calculate payments as payroll changes, where available. Ask an agent whether an option fits your business. Ohio employers get workers’ compensation through the state-run Ohio Bureau of Workers’ Compensation, so we help with employees in North Carolina and most other states.
Ready to review your business coverage?
Start a quote online or call Kaufman Insurance Group about your business.