Insurance By Coverage

Protect your business today!

The Coyle Group offers all types of Business Insurance, but has a deep domain expertise in these unique coverage forms.

Our exclusive focus is on insuring business owners.
We work with a wide variety of industries and write ALL forms of business insurance. From the simple BOP policy to complex property insurance schedules to difficult D&O insurance and everything in between.
Below we highlight just 6 of the unique coverages we have expertise in, but are capable of handling all commercial or business insurance policy forms for you.

Search The Coverage

Cyber Insurance

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E&O Insurance

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Captive Insurance

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D&O Insurance

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Product Recall Insurance

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Workers’ Compensation Insurance

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Questions?

The only business insurance you’re legally required to have is workers’ comp if you have employees and commercial auto insurance for any business vehicles. Pretty much every state makes you get workers’ comp once you start hiring people, though the exact rules depend on where you are and how many employees you have. Commercial auto is also mandatory everywhere for business-owned cars, trucks, or vans. Everything else like general liability or professional liability isn’t technically required by law, but here’s the thing – your landlord, clients, or contracts will probably demand you have it anyway, so you’ll end up needing it to actually do business.

Honestly, it’s all over the place depending on what kind of business you run, where you’re located, how many people work for you, and what coverage you actually need. Insurance companies look at tons of factors when setting your price – your industry, location, employee count, and how much coverage you want. Most small businesses start with something called a Business Owner’s Policy (BOP) because it bundles the essential stuff together and costs less than buying everything separately.

You should definitely check your policy every year when it’s time to renew, but some businesses need to look at it more often – maybe every few months if you’re in a risky industry. Any time something big changes in your business, like hiring your first employee, buying expensive equipment, opening a new location, or completely changing what you do, that’s when you need to call your agent right away. Don’t wait until renewal time if you’ve made major changes, because you might not be covered for your new risks.

You want enough coverage to actually protect you if something goes wrong, but you don’t want to overpay for coverage you’ll never use. Think about how much your business assets are worth, what kind of lawsuits you might face in your industry, and what your contracts require. If you own expensive equipment or could face big lawsuits, you need higher limits. Your agent should help you figure this out based on businesses similar to yours, but ultimately you know your risks better than anyone.

Yeah, you can cancel anytime, but it’s probably going to cost you. Most insurance companies charge a cancellation fee if you bail before your policy expires, and they’ll also charge you more in the future because they see you as someone who cancels policies. Plus, and this is important, you’re leaving your business completely unprotected while you’re uninsured. Unless you’re closing your business permanently, canceling early is usually a bad idea.

What Peace of Mind Looks Like

Client Testimonials

  • I have discussed a variety of complex business opportunities with Gordon revolving around importing and exporting specialty goods globally and his knowledge and expertise has been invaluable.
    He’s been able to pinpoint key risk issues and provide solutions effectively and efficiently and highly recommend him.

    John Luce
    CEO/Founder, Costa Rica Coffee Trade Group USA

  • Gordon goes beyond just being our insurance broker, but is truly a trusted advisor in our opinion. We know we can tap into his knowledge as well as his rolodex to help our business grow and succeed.

    Michael Soltoff
    CEO, Eggersmann USA

  • Experts in their field, quick to respond to questions, trustworthy and reliable. Our business has been with the Coyle Group for over 40 years

    Alison Frankel
    Associate Artistic Director, Coupe Theatre Studio

  • The Coyle Group is on top of things! Their team is incredibly responsive and professional with a comprehensive approach to all your insurance needs. Highly recommend.

    Sari Jepsen
    Director of Finance, Scandic Builders

  • The Coyle Group is 1st class! Gordon and his team are knowledgeable, responsive, and attentive to detail. Gordon is that rare breed of professional who genuinely cares for his clients, and works hard to exceed their expectations. I highly recommend them.

    Jeff Carton
    Partner, Denlea & Carton, LLP

  • The Coyle Group took time to understand our business and our needs and has offered us customized solutions. The staff is friendly, responsive, and above all, they really know the industry.
    Highly recommend!

    Victoria Shire
    Vice President HERE to HERE

  • Our company has been with The Coyle Group over 10 years, and we couldn’t be more thoroughly satisfied. Their knowledge, expertise and professionalism are unmatched by anyone else we’ve worked with. Very responsive and helpful team!

    Jaclyn Di Meo
    Director of Finance, T.A. Sciences

  • Gordon and his team are a tremendous resource for our firm since its founding. Their deep expertise and quick turnaround time on critical issues have been exemplary.

    Catherine Ryan
    VP of Operations, Jaguar Growth Partners

Schedule Your Insurance Confidence Assessment

In our 30-minute call, you’ll discover:

  • Whether your current coverage matches your actual risks
  • If you’re getting fair value for what you’re paying
  • How your service experience compares to what’s possible
  • What questions you should be asking but probably aren’t
Schedule My Assessment Call

Not ready for a call?

Get Free Access to Our Gated Video:
“How to Finally Feel Confident in Your Coverage. “

And discover the exact system we use to help business owners eliminate hidden coverage gaps, stop overpaying, and finally feel confident in their protection.

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