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Commercial Lines

At Brown & Brown, protecting your business and employees is our main focus. Our Commercial Lines team takes a multidisciplined approach toward insurance and business risk management, which ensures that we don’t just procure insurance, we manage it. All of our policies are crafted with your unique business requirements in mind and we take the time to partner with you to determine what coverage is necessary to keep your operations running smoothly.

Central to our business strategy is early renewal planning, comprehensive policy review, and full disclosure. Partnering with us, you’re sure to receive the most competitive price and the most dedicated service.

We are Workers’ Compensation specialists, providing a detailed review of our clients’ worker’s compensation policy. Our goal is to help maintain a low experience modification, which translates to lower premiums.

We are Property & Casualty specialists, providing a comprehensive review of our client’s policies to minimize exposures faced in the workplace.

We have strong, long-term relationships with the best carriers on a local and national level, giving us the opportunity to select the most comprehensive coverage for your business.

Brown & Brown also offers Employee Benefits and a range of Personal Lines coverage.

Lines of Commercial coverage are vast, read through our Glossary for more information.

General Liability Insurance

A form of insurance bought by businesses to indemnify the business for third party liability claims. Coverage can include premises and operations liability for onsite and job-site accidents and products liability claims for products that cause a loss to a third party.

Property Liability Insurance

Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance. Property is insured in two main ways—open perils and named perils.

Executive Liability Insurance

A form of liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as reimbursement for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers. Intentional illegal acts, however, are typically not covered under these policies.

Professional Liability Insurance

A type of liability coverage designed to protect professionals (e.g., accountants, attorneys, real estate brokers, consultants) against liability incurred as a result of errors and omissions in performing their professional services. Although there are a few exceptions (e.g., physicians, architects, and engineers), most professional liability policies only cover economic or financial losses suffered by third parties.

Employment Practices Liability Insurance

Provides coverage to employers against claims made by employees or a 3rd party alleging discrimination (based on sex, race, age or disability, for example), wrongful termination, harassment and other employment-related issues, such as failure to promote or wage and hour.

Commercial Auto Liability

Coverage for motor vehicles owned by a business engaged in commerce. Commercial auto provides coverage that protects the insured against financial loss because of legal liability for motor vehicle related injuries, or damage to the property of others caused by accidents arising out of the ownership, maintenance, use, or care-custody and control of a motor vehicle. This includes Commercial Auto Combinations of Business Auto, Garage, Truckers and/or Other Commercial Auto.

Inland Marine

Property insurance for property in transit over land. A standard property policy won’t cover equipment or goods once it leaves the scheduled property. Inland marine is designed to cover equipment or property that will move from jobsite to jobsite.

Cyber and Privacy

These policies are intended to cover a variety of both liability and property losses that may result when a business engages in various electronic activities and cover a business’ liability for a data breach in which the firm’s customers’ personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm’s electronic network. The policies cover a variety of expenses associated with data breaches, including: notification costs, credit monitoring, costs to defend claims by state regulators, fines and penalties, and loss resulting from identity theft.

Excess Liability

A policy that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies. An umbrella policy may cover certain risks from the first dollar of loss or liability incurred, which were never covered under the primary policies. Excess pays after an underlying primary policy is exhausted, but the critical difference is excess policies are normally “follow form” policies that conform exactly to the coverage of the underlying policy, except that they add on their own excess limit which is then stacked on top of the primary policy’s limit.

Chris Morse

Vice President - Commercial, P&C Sales Manager

As Vice President - Commercial Lines, Chris specializes in Workers Compensation, General Liability, Commercial Auto, Professional Liability, Environmental Insurance, and Cyber and Privacy Insurance.


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