Business Insurance Solutions

Finally, business support built to work together.

Biz Insurance

No disconnected vendors. No unnecessary complexity.

Just integrated solutions designed to protect your people and your business.

Coverage Designed for Real-World Business Risks

Businesses encounter a wide spectrum of exposures from basic liability claims to complex, high-cost litigation. Our comprehensive insurance solutions are built to help protect your operations, minimize risk, and provide confidence in an unpredictable environment.
Our offerings include:

Business Owner’s Policy

Combine general liability and property insurance into one convenient package that simplifies management and reduces cost.

General Liability

General Liability Insurance helps protect your business from bodily injury, property damage, legal costs, and reputational claims.

Professional Liability

Cover claims related to negligence, errors, or professional advice.

Employer’s Liability

Protect your business from employee lawsuits related to workplace injuries not fully covered by workers’ compensation.

Commercial Auto

Protect vehicles used for business, including liability, repairs, and medical expenses.

Commercial Property

Safeguard buildings, equipment, inventory, and essential business assets from risks like fire, theft, and vandalism.

Commercial Umbrella

Extend your existing policy limits with an added layer of protection for large claims.

Pay-As-You-Go Workers’ Comp

Protect your workers and pay more accurate premiums calculated on your actual payroll to help avoid large year-end audits.

Get the Right Coverage Without the Complexity

Request your complimentary, no-obligation quote today and build a smarter insurance solution for your business.

Business Owner’s Policy 

Business Owner’s Policy (BOP)

Business Owner’s Policies offer customizable protection for small to medium sized businesses, with optional coverages available to meet specific business needs. Plus, this coverage solution combines business property and liability insurance into a single plan.

BOP Insurance helps cover your business for claims resulting from theft, fire and other covered disasters as well as claims which could arise from your business’s operation, such as claims of bodily injury, property damage, or personal and advertising injury.

Optional coverages available:

  • Data breach insurance.

  • Business interruption insurance provides coverage if your operations are temporarily suspended due to a covered event, such as a fire or power outage, helping replace lost income during the period of interruption.

  • Employment Practices Liability Insurance (EPLI) is a type of liability insurance covering wrongful acts arising from employment. The most frequent types of covered claims include wrongful termination, discrimination, sexual harassment, and retaliation.

Liability & Lawsuit Protection

General Liability Insurance

Protect your business from bodily injury, property damage, legal costs, and reputational claims.

A General Liability Insurance policy helps protect your business by covering certain costs associated with claims of bodily injury or property damage, including:

  • A customer’s medical expenses if they experience a slip or fall on your premises.
  • Repair costs if a customer’s property was damaged by an employee who was working at a customer’s home.
  • Legal costs to defend your business in certain lawsuits.
  • Judgments and settlements from a customer’s lawsuit.

General liability insurance (“GLI”) can also help cover claims of:

  • Bodily injury or property damage that your business causes.

  • Reputational harm due to malicious prosecution, slander, libel, wrongful eviction, violating a person’s privacy and more.

  • Copyright infringement.

  • Damage to rented property caused by a covered loss.

Professional Liability Insurance

Insurance that covers professionals against negligence, malpractice, misrepresentation and other claims initiated by their clients.

Maintaining appropriate coverage is essential. Even when no wrongdoing has occurred, a client may still file a claim if they believe an error was made. Without insurance protection, your business may be responsible for the full cost of a claim, including legal defense expenses.

Professional liability insurance helps cover claims of:

  • Negligence

  • Misrepresentation

  • Inaccurate Advice

  • Malpractice

Consider getting a professional liability insurance policy if you:

  • Offer professional services directly to customers.
  • Have a consulting business or regularly advise clients.
  • You sign an agreement with a client stating you will carry this coverage.

Employer’s Liability Insurance

Employer’s liability insurance protects your business when an employee sues over a work injury or illness.

Workers’ compensation handles medical and wage-related costs, but it does not cover legal expenses or other costs associated with employee lawsuits.

Employer’s liability insurance can help bridge the gap between what workers’ comp insurance covers and what your business might be liable for in a lawsuit. Some of these include:

  • Legal fees.

  • Damages such as pain and suffering, negligence or similar claims, not covered by workers’ comp.

  • Settlement payments.

  • Indirect liabilities.

Commercial Insurance Options

Commercial Auto Insurance

Commercial auto insurance is liability and physical damage protection for vehicles used for business.

Businesses That Should Have Commercial Auto Insurance

If you own, lease, hire or use vehicles for business, you should obtain coverage. Commercial Auto Insurance is mandatory in some states, and many businesses are required by federal law to have this coverage if the business moves goods or people across state lines.

Coverage Included with Commercial Auto Insurance

A commercial auto insurance policy provides coverage for vehicles you own, lease, hire, or use in your business, as well as liability coverage for bodily injury and property damage caused to others by your use of the insured business vehicles. Commercial auto insurance typically covers:

  • Liability damages.

  • Collision or comprehensive physical damage.

  • Medical Expenses of injured occupants of the commercial vehicle.

  • Damages sustained by occupants of your commercial vehicle due to negligence of underinsured and uninsured motorist.

Commercial Property Insurance

Commercial property insurance plans pay for losses based on the replacement cost of the item or its actual cash value.

Replacement cost is the amount necessary to repair, replace or rebuild property on the same premises, with comparable materials and quality, without deducting any amount for depreciation.

Actual cash value is the cost to replace it with new property of similar style and quality, minus its depreciation.

Commercial property insurance covers your office space or building, belongings within the building/office, and business personal property. Covered items would include:

  • Computers

  • Furniture and Equipment

  • Exterior Signs, Fences and Landscaping

  • Important Documents

  • Inventory

Commercial Umbrella Insurance

Provides additional financial protection by covering liability claims up to the limits of the umbrella coverage, reducing out-of-pocket exposure.

Payentry can help you secure a flexible Commercial Umbrella Insurance policy that extends the liability coverage of your existing insurance policies, even those held with other providers.

With this type of commercial insurance coverage, you will not have to pay out of pocket for liability claims up to the limit of the umbrella policy if these claims exceed the limits of your business insurance policy. This can include:

  • Legal Costs

  • Medical Bills

  • Damage to Other People’s Property

  • Judgments and Settlements.

Please note that Commercial Umbrella Insurance does not cover all types of claims and does not increase the limits of certain policies, such as Commercial Property Insurance. For detailed information on coverage and exclusions, please contact us today to speak with one of our knowledgeable representatives.

Workers’ Compensation Insurance

Pay-As-You-Go Workers’ Comp

Workers’ Compensation coverage is required for most employers in all states except Texas. In approximately half of the United States, this coverage is mandatory even for businesses with a single employee.

We offer Pay-As-You-Go Workers’ Compensation Insurance coverage that helps manage cash flow, simplify premium payments, and stay compliant with no upfront costs or year-end surprises.

  • There is no down payment required.
  • Our payroll integration, combined with automated premium calculations and payments, creates an effortless process for clients.
  • Enrolling in our automated program reduces the possibility of a costly audit adjustment at the end of the policy term.

Workers’ Compensation Insurance can protect your business and your employees by helping cover:

  • Lost wages while an employee recovers from a work-related injury or illness.

  • Medical expenses accrued by an injured or ill employee.

  • Vocational rehabilitation for ongoing care, if needed, to help them get back to work.

  • Death benefits, such as funeral costs due to fatal work-related incidents.

USA Map

Property & Casualty/Workers’ Compensation Licensed in:

AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, KS, LA, MA, MD, ME, MI, MO, NC, NH, NJ, NM, NY, OK, PA, RI, SC, TX, VA, WI, WV

Simplify Insurance with Payentry

By combining insurance with payroll and HR solutions, Payentry helps reduce administrative burden and improve operational efficiency.

A Coordinated Insurance Strategy:

  • Reduces Coverage Gaps

  • Improves Financial Protection

  • Simplifies Administration

  • Enhances Cost Control

Get the Right Coverage Without the Complexity

Request your complimentary, no-obligation quote today and build a smarter insurance solution for your business.