Business Insurance

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Secure your business with commercial insurance, safeguarding you against unforeseen losses. With over 150 years of combined industry experience, our insurance & risk management firm has assisted hundreds of businesses in obtaining the right coverage, protecting their assets, and ensuring employee safety. We’ve served hundreds of satisfied clients who have awarded us a stellar 5 star customer satisfaction rating.

What Is Business Insurance?

Business insurance is a type of protection that protects your company against losses. It can help pay for things like property damage, liability claims, and employee injuries. Unlike agents who work for one company, brokers look for policies from multiple insurers to find the best fit for your needs.

All Business Insurance Solutions

Our comprehensive risk management services safeguard your assets, employees, and profits against unexpected challenges.

Types Of Business Insurance Offered

We offer a full range of business insurance solutions. Each policy is designed to protect your business from specific risks, ensuring comprehensive coverage and peace of mind.

Commercial Automobile Insurance

Covers your business vehicles against accidents, liability, and damage with specialized commercial automobile insurance.

Business Personal Property Insurance

Protect your business equipment, inventory, and furnishings from loss, damage, or theft with comprehensive business personal property insurance.

Cyber Liability Insurance

Defend your business against cyber-attacks and data breaches with robust cyber liability insurance coverage.

Directors and Officers (D&O) Liability Insurance

Safeguard directors and officers from legal claims related to business decisions with directors and officers (D&O) liability insurance.

Employment Practices Liability Insurance

Ensure coverage for claims related to wrongful termination, discrimination, or harassment through employment practices liability insurance.

Environmental Liability Insurance

Secure your business against environmental damage, cleanup costs, and related legal expenses with environmental liability insurance.

Fidelity and Crime Insurance

Protect your business from financial losses due to fraud or theft by employees with fidelity and crime insurance.

Fiduciary Liability Insurance.

Provide coverage for claims arising from the mismanagement of employee benefit plans with fiduciary liability insurance.

General Liability Insurance

Obtain fundamental protection for bodily injury, property damage, and advertising injury claims with general liability insurance.

Inland Marine Insurance

Cover your business assets in transit or stored off-site with inland marine insurance.

Kidnap and Ransom Insurance

Get comprehensive coverage for ransom payments and crisis management for high-risk operations with kidnap and ransom insurance.

Professional Liability Insurance

Protect your business against claims of negligence, errors, or omissions in professional services with professional liability insurance.

Surety Bond Insurance

Your business meets its contractual obligations with surety bond insurance.

Umbrella Insurance Policy

Extend your coverage beyond standard policy limits for added protection with an umbrella insurance policy.

Workers Compensation Insurance

Cover medical expenses and wages for work-related injuries or illnesses with workers compensation insurance.

What Does Business Insurance Cover?

Business insurance protects against a variety of risks, including:

Liability for Injuries or Damage

Covers costs if someone gets hurt or property is damaged because of your business.

Property Damage

Protects your building and inventory from fires, theft, or weather-related incidents.

Cyber Threats

Covers losses from data breaches and cyberattacks.

Business Interruptions

Helps replace lost income if your business must close temporarily.

Employee Claims

Protects against lawsuits for harassment, discrimination, or wrongful termination.

Each type of coverage addresses different aspects of your business operations, and a broker can help you identify which policies are necessary for your specific situation.

Who We Serve

We provide comprehensive business insurance and risk management solutions tailored to meet the unique challenges of any industry. Our expertise ensures your business is protected with strategies designed to mitigate risks and safeguard your success.

Explore Business Insurance by State

Select your state to explore available business insurance coverages.
Explore Business Insurance by State

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Select your state to explore available business insurance coverages.
Learn More About Insurance for Business

FAQs about Business Insurance

What types of coverage does Business Insurance offer?

Our business insurance policies can include Professional Liability, General Liability, Property, Auto, Worker’s Compensation and Cyber Liability to name a few. Please contact us today to see how we can protect your business from the unique risk exposures associated with your specific industry.

Why should I choose your insurance agency?

Many businesses view their insurance agent as a “vendor”. That is not us. We are a “guide” in helping you navigate the complex world of insurance and risk management. We want to be your partner in covering your risks appropriately while keeping insurance costs to a minimum.

How can I find a reliable insurance Agent?

Look no further! Our experienced risk managers offer customizable solutions to safeguard your business and its assets.

Do you offer specialized insurance services for specific industries?

Yes, we specialize in insuring Design Professionals, which include architects, engineers, surveyors, environmental consultants, technology, oil & gas consultants and even manufacturers and EPC firms.

Can I customize my business insurance policy?

Absolutely! Our policies allow you to tailor coverage options to suit your business requirements and budget effectively.

What factors determine the cost of business liability insurance?

The cost depends on factors such as the type of coverage, business size, industry, location, and claims history.

How quickly can I obtain a quote for business insurance?

You can receive a personalized quote for business insurance promptly by contacting our agency or filling out our online form.

What services do your insurance agency offer?

We offer a range of services, including risk assessment, risk management, market selection for quotes, same day certificate delivery, claims assistance, and ongoing support to ensure your business is adequately protected and meeting compliance requirements.

Is business insurance mandatory for all businesses?

While specific types of insurance may be mandatory depending on your business activities and location, such as Workers’ Compensation, not all insurance is required by law. It’s more likely that certain business insurance is required by written agreement with your clients.

How can I file a claim for business insurance coverage?

If you experience a loss, email or call us immediately to initiate the claims process. Our team will guide you through the process and work to resolve your claim promptly.

Why Choose Risk Specialty Group For Business Insurance?

At Risk Specialty Group, we’re more than just an insurance agency – we’re your strategic partner in navigating the complexities of business insurance. Unlike agents who simply sell policies, we collaborate with you to ensure your risks are covered while keeping costs manageable. Here’s why businesses trust us:

Industry Expertise

Our deep knowledge across industries enables us to design insurance solutions tailored to your specific business needs.

Customized Solutions

We develop personalized strategies to address your unique risks, ensuring your business is protected on all fronts.

Proactive Approach

We identify and mitigate potential risks before they escalate into costly issues, saving you time and money.

Comprehensive Coverage

From liability and property insurance to employee coverage, we offer robust protection for every aspect of your business.

Trusted Partnerships

We collaborate with top-rated insurance carriers to deliver the best coverage at competitive rates.

Ongoing Support

Our team provides continuous guidance, with regular policy reviews to ensure your coverage evolves with your business.

At Risk Specialty Group, we’re more than just your insurance agency – we’re your risk management partner.

What Our Clients Are Saying

Don’t just take our word for it – hear from businesses who trust Risk Specialty Group to protect their future:

     EXCELLENT  
  18 reviews

    
 
 
      Posted on Google  
   
   Bobbie Llenz 
 20 December 2023
 
 
  I cannot say enough good things about Risk Specialty Group.  Their team is professional, and they have your best interest in mind.  I highly recommend them.   Our agent is Travis Landers and his team always take care of us every step of the way through the renewal process down to a dreaded claim.  We have been in business 27 years and believe me you want these people on your side.
  
 
     Posted on Google  
   
   JMD Engineering LLC 
 27 November 2023
 
 
  Couldn't be more pleased with the level of service and competitive pricing.  I have a niche business that falls outside the norm of most. Risk Specialty Group took the time to understand my business and provide the perfect solution of coverage for me. I highly recommend them to any small business in need of coverage.
  
 
     Posted on Google  
   
   Jill Bard 
 20 November 2023
 
 
  When I started my business 4 years ago, the team at Risk Specialty Group was recommended to me by a long-time colleague to handle business and professional liability insurance.  I could not be happier!  Travis, Deanna, and the entire team are wonderful to work with.  They consistently provide excellent service and go above and beyond to make sure I have what I need, when I need it.  One example: I purchased a new vehicle for the business and was signing paperwork late on a Friday afternoon not realizing I would need auto insurance before I drove it off of the lot.  Travis and his team took my call at 5pm and made sure I had coverage so I could drive home before 6pm, on a Friday!  Just one example of their excellent service and responsiveness.
  
 
     Posted on Google  
   
   Chris Abell 
 17 November 2023
 
 
  I've been partnering with Risk Specialty Group for last few years, and they consistently deliver exceptional service. The team's responsiveness is truly commendable being both prompt and efficient.

The account managers at Risk Specialty Group are clearly experienced, making the process of navigating insurance requirements seamless. I appreciate their attention to detail and the assurance that my business is in capable hands.

I highly recommend them to any business in search of a reliable insurance partner.
  
 
     Posted on Google  
   
   Blyss 
 16 November 2023
 
 
  I would highly recommend Risk Specialty Group to anyone looking for reliable and helpful insurance professionals who go above and beyond to ensure customer satisfaction. Travis and Leah have consistently shown exceptional reliability, proving to be significant assets in navigating the complexities of insurance policies. Their unwavering commitment to providing assistance is evident in prompt and thorough responses, along with valuable feedback. Barron Engineering appreciates all of your help and support!
  
 
     Posted on Google  
   
   Nicola Hartman 
 15 November 2023
 
 
  The Risk Specialty Group was recommended to TTL by another client of theirs. We have not been disappointed! Both Travis and Candi have been wonderful to work with - the communication is exceptional and the overall switch from a different company has been seamless. I look forward to working with them for many more years to come.
  
 
     Posted on Google  
   
   Real David N 
 12 October 2021
 
 
  Risk Specialty Group has handled my micro-company's insurance for almost five years.  They have consistently provided prompt, professional, friendly, and effective customer service. I am always sure that I have access to their "A" team and that they are in my corner.  Of all my service providers, they are #1 in that department.  6 stars if I could.
  
 
     Posted on Google  
   
   J Smith 
 31 January 2019
 
 
  Prompt, knowledgeable, and courteous. Enjoyed working with the Risk Specialty Group team.
  
 
     Posted on Google  
   
   Brian Richardson 
 28 January 2019
 
 
  My company, EFR Contracting LLC, uses Risk Specialty Group because of their industry expertise, professionalism, superior customer service and attention to detail. I highly recommend them.
  
 
     Posted on Google  
   
   Elizabeth Schlitzberger 
 17 January 2019
 
 
  Very professional group with great attention to detail. They care about their customers! I highly recommend them!

Contact Us Today

Ready to take the next step? Contact Insurance Firm today and experience the trusted support of Risk Specialty. Whether you need expert guidance or have questions about your professional liability insurance, we’re just a call or click away. Let’s connect and secure your professional future today!

Risk Management Blog

Stay informed with industry insights and expert analysis on professional liability insurance. Visit our risk management blog for valuable resources and updates from Risk Specialty.

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David Nelson

15:10 01 Apr 19

Risk Specialty Group has handled my micro-company's insurance for almost three years. They have consistently provided prompt, professional, friendly, and effective customer service. I am always sure that I have access to their "A" team and that they are in my corner. Of all my service providers, they are #1 in that department. 6 stars if I could.

Todd McMakin

16:00 04 Dec 18

We have been using the Risk Specialty Group for our company insurance for two years and have been very happy with our rates and with the customer service that we have received. They are always quick to respond to questions and requests. Highly recommended!

Su Young

18:52 04 Dec 18

Risk Specialty's owner is great to work with, excellent knowledge of the marketplace and clients' insurance needs. The staff is thorough, experienced and friendly. Great shop to consider for your insurance needs.

Elizabeth Schlitzberger

15:23 17 Jan 19

Very professional group with great attention to detail. They care about their customers! I highly recommend them!

Parallax Consulting Group

01:30 19 Dec 18

I am currently renewing my coverage for year (2) of my business. Everyone at RSG has been extremely helpful, while also being clear and concise with all my options and/or questions through every step of my growth, risk management and company success. I would highly advise and/or recommend RSG to anyone looking to find a firm you can count on...but most importantly, trust!