Commercial Insurance Policy Types
Ovest Insurance Partners offers many Commercial Insurance Policy Types designed to protect how you operate.
Explore Commercial Insurance Policy Types
Property Insurance
Protects your physical assets, including buildings, equipment, and inventory, from perils like fire, theft, and storm damage.
Inland Marine
Specialized coverage for business property that is mobile or in transit, such as contractor tools and equipment at job sites.
Lessor’s Risk Insurance / LRO
Designed for commercial landlords, covering liability and property risks associated with leasing space to tenants.
Umbrella Insurance
Provides extra liability limits above your standard policies, offering critical protection against catastrophic financial losses.
Excess Liability
Extends the coverage limits of a single underlying policy, ensuring protection when claims exceed original policy thresholds.
Garage Liability
Tailored for automotive businesses, covering bodily injury and property damage resulting from garage operations.
Business Owners Policy / BOP
A bundled solution for small businesses that combines general liability and property insurance into one cost-effective package.
Directors and Officers / D&O
Protects decision-makers from personal losses if they are sued for alleged wrongful acts in managing the organization.
Liquor Liability
Crucial for businesses that sell or serve alcohol, covering liability for damages caused by intoxicated patrons.
Pollution Liability
Covers environmental damage and cleanup costs resulting from your business operations, a key risk for many contractors.
Fleet Insurance
Consolidated coverage for companies managing multiple business vehicles, simplifying administration and improving risk control.
Motor Truck Cargo Coverage
Liability protection for the cargo you haul for others, covering loss or damage to the freight while in your care.
Errors and Omissions / E&O
Professional liability coverage against claims of negligence, mistakes, or omissions in the services you provide to clients.
Cyber Liability
Shields your business from the financial fallout of data breaches and cyberattacks, covering legal fees, notification costs, and digital asset recovery.
