Business owner's policy (BOP)
Property and general liability bundled into one policy, the starting point for most small businesses.
Business insurance
Insurance that keeps your doors open
From sole proprietors to growing companies, Luis shops multiple commercial carriers to build a package that fits your risks and your budget.
Core business coverage
General liability
Covers injuries and property damage your business causes to others, and is often required by landlords and clients.
Commercial property
Buildings, equipment, inventory and furniture, plus business income if a covered loss shuts you down.
Commercial auto
Vehicles your business owns or uses, from a single work truck to a fleet.
Workers' compensation
Medical bills and lost wages for employees hurt on the job. Tennessee requires it for most employers with five or more employees, and for construction businesses with one or more.
Commercial umbrella
Extra liability limits above your general liability, auto and employer's liability policies.
Specialty coverage
Professional liability (E&O)
Protection when a client claims your advice or service caused them a financial loss.
Cyber liability
Covers data breaches, ransomware and the cost of notifying customers if their information is exposed.
Tools and contractor's equipment
Inland marine coverage for tools and equipment that move between job sites.
Surety bonds
License, permit, bid and performance bonds for contractors and other businesses.
Key person and buy-sell life
Life insurance that protects the business if an owner or key employee dies.
Businesses we work with
Contractors and trades
General contractors, electricians, plumbers, HVAC, landscapers and remodelers.
Restaurants and retail
Liability, property, liquor liability and business income for storefronts and restaurants.
Offices and professional services
Consultants, real estate, accounting, salons and medical offices.
Trucking and delivery
Commercial auto, cargo and liability for owner-operators and small fleets.
Questions
Frequently asked questions
Do I need workers' compensation in Tennessee?
Tennessee requires most employers with five or more employees to carry workers' compensation. Construction businesses need it with one or more employees. Luis can confirm what applies to your business.
What is a business owner's policy (BOP)?
A BOP bundles general liability and commercial property into one policy, usually at a lower price than buying them separately. It fits most small offices, shops and service businesses.
How fast can I get a certificate of insurance?
Once coverage is in place, Luis can usually issue a certificate of insurance the same business day. Send a service request with who the certificate is for.
Does my personal auto policy cover my work truck?
Often not, if the vehicle is owned by the business or used mainly for work. A commercial auto policy closes that gap.
Need a certificate of insurance or a quote for a new contract? Call Luis.