From small businesses down the street to regional and national manufacturers and distributors across the country, we work hard help you find the right coverage for your commercial customers.
And as a Couri agent, you’ll also have access to the knowledgeable, hands-on assistance of our Commercial Department. We’re here to help you identify businesses in your area that could benefit from the products and services you offer, develop a winning sales presentation, provide back-office support so you can concentrate on selling and everything in between.
Commercial Insurance Lines of Business
- General Liability Insurance: Covers third-party claims of bodily injury, property damage, and personal injury.
- Commercial Property Insurance: Protects business-owned buildings and contents from damage or loss due to events like fire, theft, or natural disasters.
- Business Interruption Insurance: Covers lost income and operating expenses if a business is temporarily unable to operate due to a covered event.
- Workers’ Compensation Insurance: Provides wage replacement and medical benefits to employees injured on the job.
- Commercial Auto Insurance: Covers vehicles owned or used by businesses for accidents, liability, and physical damage.
- Professional Liability Insurance (Errors & Omissions): Protects against claims of negligence, mistakes, or failure to deliver services as promised.
- Cyber Liability Insurance: Covers costs associated with data breaches, cyber-attacks, and other cyber-related incidents.
- Product Liability Insurance: Protects against claims related to injuries or damage caused by products sold or supplied by the business.
- Employment Practices Liability Insurance (EPLI): Covers claims related to employment issues, such as harassment, discrimination, and wrongful termination.
- Directors and Officers (D&O) Insurance: Protects the personal assets of directors and officers in case of claims related to management decisions.
- Commercial Umbrella Insurance: Provides additional liability coverage when other policy limits are exhausted.
- Inland Marine Insurance: Covers goods, materials, and equipment in transit over land or stored off-site.
- Business Owner’s Policy (BOP): Combines general liability and property insurance, often tailored for small businesses.
- Builder’s Risk Insurance: Protects buildings under construction or renovation from various risks, such as fire, vandalism, and weather-related events.
Industries Served
- Construction and Contracting – General contractors, electricians, plumbers, painters, landscapers, HVAC, Drywallers, Snow removal, Security systems, Excavators.
- Habitational Risks – Apartments and multi-family dwellings, condominium associations, student housing and dormitories, senior living and assisted living facilities, hotels and motels.
- Retail and E-commerce – Brick-and-mortar stores, strip malls, professional offices, online shops, wholesalers, convenience stores, and distributors.
- Manufacturing and Production – Factories, food production, metal fabrication, chemical production, and consumer goods.
- Healthcare and Medical Services – Hospitals, clinics, dental practices, laboratories, and urgent care centers.
- Hospitality and Food Services – Restaurants, hotels, food trucks, catering, bars, taverns, supper clubs, and nightclubs.
- Transportation and Logistics – Trucking, warehousing, delivery services, and freight forwarding.
- Funeral Homes – Cremation, funeral planning and coordination, and transportation.
- Information Technology and Telecommunications – Software development, telecommunications companies, data centers, and internet service providers.
- Real Estate and Property Management – Real estate agencies, property managers, leasing services, and real estate investment trusts (REITs).
- Education and Childcare Services – Schools, universities, daycare centers, tutoring centers, and learning institutions.
- Financial Services – Banks, investment firms, credit unions, accounting firms, and insurance brokers.
- Entertainment and Events – Concert venues, theaters, event planning companies, and sports facilities.
- Professional Services – Consulting firms, law firms, accounting firms, and architectural practices.
- Non-Profit and Social Services – Charities, NGOs, social service providers, and community organizations.
- Agriculture and Farming – Crop farming, livestock farming, dairies, fisheries, and agribusinesses.
- Energy and Utilities – Oil and gas companies, renewable energy (solar, wind), electric utilities, and mining.
- Media and Publishing – Advertising agencies, news media, publishers, and production companies.
- Automotive Industry – Car dealerships, repair shops, body shops, and vehicle rental services.
- Beauty and Wellness – Salons, spas, massage therapists, and fitness centers.
- Public Administration and Government Contractors – Government service providers, infrastructure contractors, and public sector support.
- Environmental Services – Waste management, recycling centers, environmental consulting, and hazardous material handling.
- Telecommunications – Phone and cable companies, satellite providers, and wireless networks.
- Pharmaceuticals and Biotechnology – Drug manufacturers, biotech firms, and research labs.
- Utilities and Infrastructure – Water, sewage, and power utilities; public infrastructure services.
- Legal Services – Law firms, legal consultants, and paralegal services.
- Aviation and Aerospace – Airlines, aircraft maintenance, aerospace manufacturing, and aviation services.
- Tourism and Travel Services – Travel agencies, tour operators, and chartered transportation.
- Cannabis Industry – Cultivators, processors, dispensaries, and retailers.
- Textiles and Apparel – Clothing manufacturers, textile production, and fashion retailers.
- Food and Beverage Production – Breweries, wineries, distilleries, and packaged food producers.
- Marine and Shipping – Shipping companies, port authorities, and marine logistics.
- Pet Care Services – Veterinary clinics, pet grooming, boarding facilities, and pet stores.
- Utilities and Energy Production – Hydroelectric, coal, wind, and geothermal energy providers.
- Education and Academic Research – Research labs, private academies, and educational technology companies.
- Architecture and Design Firms – Architectural firms, design studios, and interior design services.
- Recreation and Leisure – Golf courses, theme parks, recreational centers, and sports clubs.
Each of these industries has specific risks and liabilities, so tailored insurance solutions are often necessary to cover their unique needs effectively.
Placement Support You Can Count On
Regardless of the industry, you can count on Couri Associates to help you place many other commercial risks as well.