Business insurance · Commercial coverage & bonds
Protect what
you’re building.
Your business is more than a balance sheet. It’s your work, your relationships, and your next chapter. Talk with Harris Advisors about coverage for the risks that come with running it.
A clearer view of your options
Different risks.
Thoughtful protection.
From a home office to a growing team, your business has its own exposures. These seven areas give us a starting point for a practical conversation. Coverage, eligibility, limits, and exclusions depend on the policy or bond.
01
Business Owner’s Policy (BOP)
A practical starting point for eligible businesses: a BOP typically brings commercial property, general liability, and business interruption coverage into one policy. It is a foundation to review—not a substitute for every type of business insurance.
02
General Liability Insurance
Everyday business activities can lead to a claim. General liability can help address covered claims involving bodily injury, damage to someone else’s property, and certain personal or advertising injuries. Discuss your premises, products, and customer interactions.
03
Workers’ Compensation Insurance
Work-related injuries and illnesses can affect both an employee and the business. Workers’ compensation generally provides benefits such as medical care and a portion of lost wages for covered events. Requirements vary by state and business circumstances.
04
Home-Based Business Insurance
Working from home does not remove business risk. Depending on your operation, a business endorsement or separate policy may be appropriate for equipment, inventory, or liability exposures that your homeowners coverage does not adequately address.
05
Professional Liability Insurance
Advice, expertise, and professional services bring their own responsibilities. Often called errors and omissions (E&O) insurance, this coverage can respond to certain allegations of negligence, mistakes, or omissions in the services your business provides.
06
Cyber Insurance
A data breach or cyber incident can disrupt more than your technology. Depending on the policy, cyber coverage may help with incident response, notification, data recovery, business interruption, or covered third-party claims. Let’s discuss how your business uses and stores information.
07
Surety Bonds
A contract, license, or permit may require a bond. Surety bonds help provide assurance that specified obligations will be met; contract bonds can include bid, performance, and payment bonds. Share the exact requirement so the bond type and application needs can be discussed.
The starting conversation
Start with your business.
Build from there.
01
What you do
Tell us about your products or services, where you work, and whether customers visit your location. The details help frame your coverage questions.
02
What you depend on
Think about your equipment, inventory, employees, and digital systems. Which parts of the business would be hardest to operate without?
03
What is changing
Bring up a new contract, a new hire, a move, or an upcoming renewal. Existing policy documents and written insurance or bond requirements can be useful.
Looking after your people, too?
Business protection.
Employee benefits.
Commercial insurance and workplace benefits address different needs. If you’re also exploring group health or supplemental benefits for your team, visit our dedicated worksite benefits page.
Explore Worksite BenefitsA little clarity
A few questions.
A clearer next step.
You don’t need to have everything figured out to get in touch.
Does a Business Owner’s Policy cover everything?
No. A BOP typically combines property, general liability, and business interruption coverage, but it does not cover every business exposure. Workers’ compensation and professional liability generally require separate coverage. Review the actual policy terms and any endorsements.
How is professional liability different from general liability?
General liability commonly addresses third-party bodily injury and property damage claims. Professional liability addresses certain claims arising from professional services, such as an alleged error or omission. The right discussion depends on the work you do.
Do I need business insurance if I work from home?
A homeowners policy may offer little or no protection for some business activities. Tell us about your equipment, inventory, customer visits, and services so we can discuss the coverage questions your home-based business raises.
What should I share when I get in touch?
Start with your business name, the kind of work you do, and the coverage or bond you want to discuss. If you are unsure, say so. Please keep Social Security numbers, payment information, and confidential client details out of an initial inquiry.
Your next step
Let’s talk about
what you’re building.
A new venture, a growing team, or a contract on your desk—start with the question that matters to your business. We’ll take the conversation from there.