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Commercial coverage for your business

Business insurance from independent agents.

Commercial General Liability Coverage

Protect your company with a comprehensive plan that will cover your general liabilities.

Commercial General Liability is a standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.

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Workers' Compensation Coverage

Workers’ comp provides benefits to your employees for work-related injuries or illnesses.

This includes medical care, wages from lost work time, rehab, disability benefits, and survivor or death benefits. An essential part of what you get with workers’ comp is Employer’s Liability. This helps protect your business against lawsuits from your employees or their family members for on-the-job injuries or illnesses.

Inquire about workers compensation coverage

Business & Commercial Automobile Insurance

If you use vehicles to provide mobility to your employees, equipment, and products, you need adequate insurance to cover them.

Whether you manage just a few pickups or a full fleet of box trucks, you’ll find flexible coverage that works for your company.

Get a free comercial auto insurance quote

Commercial Property Coverage

Small business property insurance is one of the most important investments ensuring the future of your business.

We can tailor our commercial building insurance policy to fit your needs.

Get a quote for your property

Commercial Excess Liability

Commercial Excess Liability policies provide an additional layer of protection over and above what’s provided by underlying commercial policies.

This additional liability coverage is added to protect your business assets against multi-million dollar lawsuits which can develop as a result of catastrophic incidents. Should your business be held legally responsible for an incident like this, and your underlying policy limits are exhausted, a Commercial Excess Liability Policy will provide coverage up to the selected policy limit amount.

Get a no-obligation Commercial insurance quote

Professional Liability Insurance

Kohlnhofer will find the professional liability insurance, also known as malpractice or errors and omissions insurance, that can help protect you from financial ruin.

Today, almost any professional can find themselves facing a liability lawsuit. It’s not just for the medical field, almost any professional can find themselves facing a liability lawsuit. Being sued can mean the risk of great personal loss that includes homes, cars, and other possessions. A simple mistake could cause devastation, as well as end your professional career.

Get a Professional Liability quote

Employment Practices Liability

Employment Practices Liability Insurance provides protection for an employer against claims made by employees, former employees, or potential employees.

It covers discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations. It covers your firm, including its Directors and Officers.

Get a no-obligation Commercial insurance quote

Directors & Officers Liability

Directors and Officers liability insurance protects past, present and future directors and officers.

For-profit and nonprofit companies alike need protection from damages resulting from alleged or actual wrongful acts that Directors and/or Officers may have committed in their positions. This policy provides protection in the event of any actual or alleged error, misstatement, omission, misleading statement, or breach of duty. Some policies extend the same coverage to employees. Directors and officers liability insurance is necessary when a board of directors is assembled. Investors usually require you to have directors and officers liability insurance as part of the conditions for funding your company.

Get a Professional Liability quote

Scheduled Equipment Coverage

A wide variety of businesses need to have their equipment covered. Policies can vary greatly from one provider to the next.

The scheduled equipment will cover your larger items such as Skid Steers, Excavators, Bulldozers etc. Make sure your bigger equipment is covered by calling us today!

Get a Scheduled Equipment Liability quote


Whether you are an individual seeking a particular type of bond, or run a business with a variety of bonding requirements, Kohlnhofer can meet your needs.

When there is a bond issuer who wants to assure potential investors that a bond is really and truly safe, they often turn to a bond insurer, also known as a monoline insurer. Bond insurance is very common in the municipal market.

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