Services
Business Insurance
You've invested countless hours and more money than you can imagine into making your business a success. It's your business - it depends on you and you depend on it. Depend on ISU to protect you from the unexpected.
What Coverages Does Your Business Need?
The answer is: it all depends. Every business has a unique risk profile. We'll work with you to identify the who, what, where, when, and why of a potential loss - then build a program around your specific exposures, not a generic template.
Core Business Coverages
Property Insurance
Protects the real and personal property owned by the business against fire, theft, and other covered perils.
Business Interruption
Protects net income and pays extra expenses after a covered loss keeps you from operating.
General Liability
Shields the business from third-party claims for bodily injury, property damage, personal injury, and advertising injury.
Business Auto
Required even if the business doesn't own vehicles - covers employees driving personal or rented cars on company business.
- →Workers' Compensation and Employer's Liability
- →Employment Practices Liability
- →Employee Dishonesty
- →Employee Benefits Liability
- →Fiduciary Liability
- →Key Person Disability Insurance
- →Key Person Life Insurance
Holds the business over as it transitions to a new owner or manager.
Industries We Go Deeper On
Most businesses are covered by the program above. A few industries carry exposures that take dedicated carrier relationships and people who work in them every day.
Construction
Contractors and project owners deal with additional insured requirements, completed operations tails, California wrap-up rules, and certificate tracking across dozens of subcontractors. We work with general contractors, trade contractors, and owners placing coverage on a single project or across an annual book.
Details on coverages, project-specific placements, and wrap-ups are on our construction insurance page.
Freight and Transportation
Freight brokers sit between the shipper and the carrier, and they get named in claims for cargo they never touched and trucks they do not own. We place contingent cargo, contingent auto liability, and broker errors and omissions, plus the fleet policies a motor carrier needs.
We cover how broker coverage actually responds, and where the gaps usually sit, at freightbrokerins.com.
Oversize and Heavy Haul
Open deck and specialized carriers run into exposures the standard trucking market handles poorly. Riggers liability on the load being lifted, pilot car arrangements, pollution liability, and physical damage limits that have to cover a lowboy and whatever is sitting on it. We place auto liability, motor truck cargo, riggers liability, and umbrella for carriers running permitted loads.
Coverage detail line by line, along with permit and routing guidance, is at oversizeinsurance.com.
One Responsible Source™
ISU handles business and personal insurance under one roof - so you work with one advisor who sees your complete risk picture and ensures nothing falls through the cracks.
Let's build the right program for your business.
Every business is different. Tell us about yours and we'll identify the gaps.
Get a Business Insurance Review