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.
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.
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.