General Liability
Protection against third-party bodily injury, property damage, and advertising injury claims. The foundation of any commercial insurance program.
Business insurance built for how you operate
Your business faces risks that are unique to your industry, your size, and your growth plans. We build commercial coverage programs that protect what you have built and support where you are headed.
Coverage options
Business Owners Policy
A bundled package combining general liability and commercial property coverage — often with broader terms and better pricing than purchasing each separately.
Workers' Compensation
Required in most states for businesses with employees. Covers medical expenses, lost wages, and rehabilitation for work-related injuries and illnesses.
Professional Liability
Errors and omissions coverage for service-based businesses. Protects against claims of negligence, mistakes, or failure to deliver promised services.
Commercial Auto
Coverage for vehicles used in business operations — from single company cars to full fleets. Includes liability, physical damage, and hired/non-owned auto.
Cyber & Inland Marine
Cyber liability for data breaches and digital threats. Inland marine for tools, equipment, and property in transit that standard policies do not cover.
Why clients choose Geneva Insurance Group
Industry Expertise
We understand the specific risks facing contractors, restaurants, professional services, retail, and other industries. Your coverage program is built around how your business actually operates.
Certificate Management
Need certificates of insurance for contracts, leases, or clients? We handle COI requests quickly and accurately — usually same-day — so your operations are never held up.
Growth-Ready Coverage
As your business grows — new employees, new locations, new services — your coverage needs to grow with it. We build programs that scale and review them regularly to keep pace.
Claims Support
A commercial claim can disrupt your entire operation. We manage the process from first notice through resolution, advocating for fair and timely outcomes so you can focus on running your business.
Frequently asked questions
What insurance does my small business need?
At minimum, most businesses need general liability and, if you have employees, workers' compensation. Beyond that, your specific needs depend on your industry, contracts, property, and risk exposure. We walk you through your real-world risk picture and build a commercial program around what your business actually does — not a templated package.
What is the difference between a BOP and standalone policies?
A Business Owners Policy bundles general liability and commercial property into one package, often at a lower cost than purchasing them separately. For many small to mid-size businesses, a BOP is the most cost-effective starting point. BOPs typically include business income coverage to replace lost revenue if a covered loss shuts you down temporarily — which standalone policies often treat as an add-on.
How quickly can you provide a certificate of insurance?
Usually same-day, often within hours. We understand that COIs are frequently needed to close contracts or start work, and we prioritize these requests. We can also set up recurring COI delivery for landlords, general contractors, and clients who require them on an annual basis so your operations are never held up by paperwork.
Do I need workers' compensation if I only have contractors?
It depends on your state and on whether those contractors meet the legal definition of an independent contractor. In most states, genuine 1099 workers do not require workers' comp — but misclassification is a major audit risk. If a contractor gets hurt on your job and the state rules they should have been an employee, you could owe back premium plus penalties. We help you structure coverage and collect certificates from subs to close this gap.
How does cyber liability insurance protect a small business?
A cyber policy typically covers three major buckets: first-party costs (forensics, notification to affected customers, credit monitoring, ransom payments), third-party liability (lawsuits from people whose data was exposed), and business interruption from a breach or ransomware attack. For a contractor, retailer, or professional services firm, a single ransomware incident without coverage can easily exceed $50,000 in costs.
Will my commercial policy cover employees driving their own cars for work?
Standard commercial auto only covers vehicles you own. If employees run errands, make deliveries, or visit clients in their personal cars, you need hired and non-owned auto (HNOA) coverage. Without it, if an employee causes an accident while working, your business can be named in the lawsuit with no coverage to respond. HNOA is inexpensive to add and closes a gap most business owners don't know they have.
Related coverage
Commercial Property Insurance
Building coverage, business personal property, business income, and equipment breakdown — sized to actual replacement cost, not assessed value.
SBA Loan Hazard Insurance
Closing on an SBA 7(a) or 504 loan? Compliant property + liability coverage bound in days, with the lender mortgagee clause filed correctly.
Umbrella Insurance
Catastrophic liability protection above your underlying GL and commercial auto limits — affordable peace of mind for growing businesses.