Commercial insurance coverage for Bay Area businesses

PROTECT YOUR BUSINESS, SECURE YOUR FUTURE.

COMMERCIAL COVERAGE

Comprehensive solutions to protect your business, employees, and assets.

PROTECTING YOUR BUSINESS AT EVERY STEP

What Does Commercial Coverage Include?

Commercial insurance is more than just a safety net—it's a strategic shield that empowers businesses to grow confidently. Discover key coverages that safeguard your assets, employees, and future.

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COMMERCIAL COVERAGE OPTIONS

Comprehensive protection for your business. Choose from our range of commercial insurance options designed to keep your company, employees, and assets secure.

WHY CHOOSE COMMERCIAL COVERAGE?

Tailored solutions for small businesses to enterprises
Comprehensive property, liability, and workers' compensation coverage
Peace of mind with industry-specific coverage options
Support and expertise from a trusted insurance partner

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GENERAL LIABILITY COVERAGE

Essential Protection

Safeguard your business against claims of bodily injury, property damage, or advertising-related harm. Essential for businesses interacting with clients or the public.

EXAMPLE: A customer slips in your store and files a lawsuit for medical expenses.

EXAMPLE: Covering costs if your advertising campaign unintentionally infringes copyrights.

COMMERCIAL PROPERTY COVERAGE

Property Protection

Protects your physical business property, including buildings, equipment, and inventory, from damages caused by fire, theft, or other risks.

EXAMPLE: Replacing damaged equipment after a warehouse fire.

EXAMPLE: Repairing structural damage caused by severe storms.

WORKERS' COMPENSATION

Employee Protection

Provides medical benefits and wage replacement for employees injured while working, ensuring compliance with state laws and workforce security.

EXAMPLE: Covering surgery costs for an employee injured on the job.

EXAMPLE: Reimbursing wages for employees unable to work due to workplace injuries.

BUSINESS INTERRUPTION COVERAGE

Income Protection

Compensates for lost income during unforeseen disruptions, ensuring your business stays afloat during recovery periods.

EXAMPLE: Covering revenue loss during mandatory repairs after a natural disaster.

EXAMPLE: Paying operational costs when forced to close due to fire damage.

PROFESSIONAL LIABILITY COVERAGE

Professional Protection

Shields your business against claims of errors, negligence, or malpractice, especially critical for professionals like consultants and accountants.

EXAMPLE: Defending against a lawsuit alleging financial errors in your consulting work.

EXAMPLE: Covering legal fees for a claim related to missed project deadlines.

COMMERCIAL CYBER INSURANCE

Digital Protection

Protect your business from cyber threats, data breaches, ransomware attacks, and other digital risks. Essential coverage for any business that stores customer data or relies on digital systems. Our expertise in technology helps us provide informed guidance on the right cyber coverage for your business needs.

COVERS: Data breach notification costs, credit monitoring services, and legal fees after a cyberattack.

COVERS: Ransomware payments, business interruption losses, and system restoration costs.

COVERS: Regulatory compliance support (HIPAA, GDPR, CCPA) and penalties associated with data breaches.

Why Choose LNA for Cyber Insurance? Our team includes professionals with computer science backgrounds who understand both the technical risks your business faces and the insurance solutions available to protect you.

FREQUENTLY ASKED QUESTIONS

What does general liability cover?

General liability covers bodily injuries, property damage, and advertising injury claims against your business.

How can commercial insurance protect employees?

Workers' compensation protects employees by covering medical bills and lost wages due to work-related injuries.

Why is cyber insurance important for my business?

Cyber insurance is essential for any business that stores customer data, processes payments, or relies on digital systems. It protects against data breaches, ransomware, business interruption, and regulatory penalties. Our team has technical expertise to help you understand and select the right coverage.

What does cyber insurance cover?

Cyber insurance covers data breach notification costs, credit monitoring, legal fees, ransomware payments, business interruption losses, system restoration, regulatory compliance support, and penalties. We offer coverage through trusted partners like Pathpoint and Semsee Market Access.

What if my business operates across multiple states?

We provide multi-state coverage options to ensure compliance and protection wherever you operate.

Can I get coverage if I'm just starting out?

Absolutely, we work with startups to provide tailored and affordable coverage options, including cyber insurance for small businesses.

QUESTIONS? WE'RE HERE TO HELP.

Let's protect your business together. Contact us or get a personalized quote today.