Commercial Insurance
Protect your business, your team, and your future.
Overview
Running a business means managing risk every day. From customer injuries on your property to employee claims, data breaches, and vehicle accidents — the threats are real and the stakes are high. At Bates Insurance Group, we specialize in crafting comprehensive commercial insurance programs that protect your business from the unexpected.
As independent advisors, we work with a wide network of commercial carriers to build a customized insurance portfolio that addresses your specific industry risks, operational needs, and budget. Whether you're a sole proprietor, a growing startup, or an established enterprise, we have the expertise and carrier relationships to get you the right coverage.
Coverage Types
General Liability
Protection against third-party bodily injury, property damage, and advertising injury claims.
Commercial Property
Coverage for your business property, equipment, inventory, and improvements against fire, theft, and other covered perils.
Workers' Compensation
Required coverage for employee injuries and illnesses that occur on the job, including medical expenses and lost wages.
Professional Liability (E&O)
Protection for professionals against claims of negligence, errors, or failure to deliver promised services.
Commercial Auto
Coverage for business-owned vehicles, including liability, collision, comprehensive, and hired/non-owned auto.
Business Owner's Policy (BOP)
A bundled package combining general liability and commercial property at a reduced premium — ideal for small businesses.
Cyber Liability
Protection against data breaches, cyber attacks, and the resulting costs of notification, recovery, and legal defense.
Directors & Officers (D&O)
Coverage for management decisions that result in lawsuits against company leadership.
Key Benefits
- Customized coverage programs tailored to your industry
- Access to specialized commercial carriers
- Risk management guidance and loss prevention strategies
- Competitive workers' compensation programs
- Certificate of insurance management
- Annual policy reviews and market re-shopping at renewal
Who Is This For?
- Small and medium-sized businesses
- Contractors, trades, and construction companies
- Professional service firms (lawyers, accountants, consultants)
- Retail stores and restaurants
- Nonprofits and community organizations
- Startups and emerging businesses
Why Choose BIG?
- Deep expertise across a wide range of industries and business sizes.
- We build insurance programs, not just policies — comprehensive protection from every angle.
- Our carrier relationships mean competitive pricing even for hard-to-place risks.
- We serve as your ongoing risk management partner, not just a policy salesperson.
Ready to Be Protected?
Get a personalized quote for home & auto insurance today.
